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Find the Best Debt Consolidation in Lansing, MI

Being in debt is stressful, especially if you’re dealing with calls and letters from creditors and collections. One of the ways to handle debt is to use a debt consolidation company, which helps you settle debt or combine it into one payment with a lower interest rate. We researched the best debt consolidation in Lansing to guide you to a better financial future.

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Compare Top Debt Consolidation Loan Companies

National Debt Relief
Overall satisfaction rating
  • Debt and financial education
  • BBB A+ Rating
  • Minimum $10,000 debt required
  • Available in Lansing

Get out of debt without bankruptcy!

 Learn More (844) 462-9121 Read More
Freedom Debt Relief
Overall satisfaction rating
  • One low program payment
  • Over $8 billion resolved
  • Minimum $15,000 debt required
  • Available in Lansing

Specializes in debt settlement services. Debt can be settled in 24 to 48 months, and fees range from 15% to 25%. $15,000 minimum debt required. Track progress 24/7 via online dashboard. No-risk debt relief consultation offered.

 Learn More (866) 515-6714 Read More
CreditAssociates
  • Available in Lansing
  • Over $1 billion in debt resolved
  • Collateral not required
  • Free Debt Analysis and consultation

Works with unsecured debts only, such as credit card, medical and business debt. Eliminates debt in 24 to 48 months. Service fee is 15% to 25%, and a free initial debt consultation is available. Not available in all states.

 Learn More (888) 492-5184 Read More
Accredited Debt Relief
Overall satisfaction rating
  • Resolve debt in 24-48 months
  • No advanced fees
  • Minimum $10,000 debt required
  • Available in Lansing

Best for clients with $10,000 or more in unsecured debt. Says it could reduce your debt by up to 40%. Over $3 billion in client debt paid off. Your quote is 100% free and will not affect your credit score.

 Learn More (877) 566-8703 Read More
Countrywide Debt Relief
  • Credit not required to get approved
  • Fast approval in minutes
  • Minimum debt required $10,001
  • Available in Lansing

Offers options for debt relief, including debt consolidation programs, debt settlement and credit counseling. Helps people facing financial hardships or bankruptcy. Not a direct lender. Recommends a minimum debt of $10,000.

 Learn More (877) 944-9077 Read More
Pacific Debt Relief
Overall satisfaction rating
  • No fees until you get results
  • Settled over $200 million
  • Minimum debt required $10,000
  • Available in Lansing

$10,000 minimum debt required. Low monthly program payment and no upfront fees. Service fees vary between 15 and 25% of the total debt enrolled. Most results take 24-48 months. Offers debt negotiation, but not consolidation loans.

 Learn More (619) 492-9990 Read More
Debt Rx
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • Free, no obligation debt analysis
  • Available in Lansing
  • Services offered in Spanish

Get personalized service and attention when you’re seeking debt relief. Find out more about your debt relief options with a free confidential consultation, and use its debt calculator to see how much you can save.

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How to choose debt consolidation in Lansing

Lansing Skyline

It’s easy to find yourself in debt, but it’s much more difficult to pay off debt while dealing with necessary expenses. In the Lansing tri-county area, people carry an average of $5,600 in credit card debt and up to $1,500 in medical debt. Around 20 percent of this debt is in collections, which means repeated phone calls and letters from creditors.

Debt consolidation companies can help you stop the constant stress of receiving collection calls and letters. One of the most common types of debt consolidation is debt settlement. Under debt settlement, you make one monthly payment into an account set up specifically for debt settlement purposes. A debt consolidation company uses that money to negotiate with and pay your creditors, often settling for less than you owe.

Debt settlement may initially lower your credit score, but is a better option than bankruptcy. Companies often prefer to work with those who have at least $10,000 in debt to be eligible for debt settlement in Lansing, and the debt you’re attempting to settle must be unsecured.

Secured vs. unsecured debt

Secured Unsecured
  • Secured loans are tied to collateral that can be seized by the creditor, such as your house or car.
  • Examples of secured debt include auto loans and home mortgages.
  • Unsecured loans are not tied to any collateral.
  • Examples of unsecured debt include medical bills, credit card debt and student loans.

If you’re ineligible for debt settlement, there are other options available in Lansing. These options include transferring your debt to a credit card with a zero percent introductory rate or applying for a debt consolidation loan. Debt consolidation loans pay off your existing debt and allow you to make one payment, usually at a lower interest rate.

Debt Consolidation Reviews

National Debt Relief

National Debt Relief has helped many Americans consolidate their debts and find relief from creditors. The company is accredited by the Better Business Bureau and has online tools to help you decide if debt settlement is right for you. Customers in Lansing give the company high marks for its quick and knowledgeable customer service.

 National Debt Relief Learn More (844) 462-9121

Freedom Debt Relief

Freedom Debt Relief has helped eliminate more than $9 billion in debt for its U.S. customers. The company offers flexible payment options that allow you to determine payment amount and frequency and provides a no-risk consultation. Lansing residents say they love the service and the staff but wish collection calls would end sooner.

 Freedom Debt Relief Learn More (866) 515-6714

CreditAssociates

A proprietary electronic debt settlement system combined with expert debt consultants makes Credit Associates an effective choice for debt relief. Reviews say that customer service is helpful and communicates well throughout the process, which lasts between two and three years. You can get a free consult with no obligation by contacting the company.

 CreditAssociates Learn More (888) 492-5184

Accredited Debt Relief

Accredited Debt Relief partners with many of the nation’s premier debt relief companies to negotiate their customers’ debt down to manageable amounts. The company offers a full range of debt relief services, including counseling, debt settlement and debt consolidation. Lansing reviewers say the customer service professionals made them feel comfortable with the process.

 Accredited Debt Relief Learn More (877) 566-8703

Countrywide Debt Relief

CountryWide Debt relief has helped thousands of people climb out of their debt. The company promises fast approval and assists customers with any credit score. CountryWide Debt Relief also provides free consultation and low monthly payments. Lansing customers appreciate the excellent customer service and the company’s flexibility on payment amounts.

 Countrywide Debt Relief Learn More (877) 944-9077

Pacific Debt Relief

Pacific Debt Inc. has settled more than $200 million in debt for its customers since 2002 and has an A+ rating with the Better Business Bureau. The company helps its customers get out of debt and also offers education on learning how to live debt-free in the future. Customers in Lansing say the service is a great value.

 Pacific Debt Relief Learn More (619) 492-9990

Debt Rx

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.

 Debt Rx