Getting out of debt can seem impossible, but debt consolidation could help. It’s an easier way to pay off what you owe or settle your debt for less. You should look for a company that offers great customer service, has relationships with creditors and no up-front fees. Our partners at ConsumerAffairs researched the best debt consolidation in Fort Myers, and here’s what we found.
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Floridians have much higher average credit card debt than the national average. The median student loan debt alone in Lee County is an average of $16,166. Overdue medical bills are another common source of debt. Once debt starts to pile up, you might feel as if there’s no way out.
Debt consolidation or debt settlement might be a solution. Debt consolidation loans allow those with unsecured debt from multiple creditors to take out a new loan and merge debts into one monthly payment plan at a lower interest rate.
Debt consolidation companies in Fort Myers specialize in debt settlement and will negotiate with creditors on your behalf. However, don’t expect immediate results, as it can take between two and four years to settle your debt. Your credit score will take a hit, but settlement is a better option than leaving bills unpaid, which hurts your score more. Debt settlement companies prefer to work with a certain customer profile:
If you have secured debt tied to an asset like a vehicle or home, debt consolidation is not an option.
Those with debt under $10,000 aren’t left without help. Consider a balance transfer to a credit card with low interest, a personal loan or a home equity loan. By taking out a loan or credit card, you can pay off your debt and be left with only one creditor and one monthly payment. You also could work with a debt counseling service for more options.
If you’re facing bankruptcy, debt settlement is a much better alternative, and the right company could leave you with affordable monthly payments.
This company offers debt consolidation with no up-front fees. As a national company, they offer years of experience in debt consolidation. They have a great rating with the Better Business Bureau. Fort Myers customers comment on the effectiveness of their debt consolidation services.
When you work with CreditAssociates, you get 24/7 access to debt experts. The company offers a free consultation for all customers. You can learn about your options for debt settlement. Customers say they appreciate the transparent policies of this company.
With over 30 years experience, CountryWide Debt Relief has more than enough expertise to get the job done. Their debt relief options include debt consolidation as well as other services. Local customers who use CountryWide Debt relief claim that the customer service representatives are extremely thorough and friendly.
What separates Freedom Debt Relief from other debt consolidation companies in Fort Myers is their debt tracking tool. You can easily track your debt online. Although you don’t get a dedicated representative, the company does have customer service agents that are happy to work with you. Customers comment that the company offered a stress-free service.
If you want a personalized debt service, try Accredited Debt Relief. Before you start the process, you get a free debt consultation. In Florida, customers tend to comment on the informative nature of the company’s representatives.
According to US News and World Report, Pacific Debt was one of the best debt settlement companies in 2018. Customers explain that customer service is what makes this company such a great option. They felt reassured in their choice after speaking to an agent.
An experienced debt relief company, Debt Rx helps those with $7,500 or more in credit card debt. Being smaller than its competitors allows the company to tailor solutions to your situation. Online reviews praise the customer service team for being good communicators while helping to reduce their debt.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.