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During the economic recession, debt soared among consumers in Columbus and the rest of the country. Many consumers are still feeling that impact. Here at Repaid.org, we can assist you in finding the path most suited to your needs, then match you with a debt professional or credit counseling agency to direct you toward a debt-free future.

Debt Consolidation in Columbus, OH

Are collection agencies hounding you for payment? If that’s the case, we can find you debt consolidation programs that can help you consolidate your credit card and/or payday loan debt. Debt consolidation may be used to describe a couple of entirely different methods of debt relief: debt consolidation loans and debt management plans. A licensed debt consolidation expert can give you more information regarding which strategy is ideal for you.

Columbus OH Debt Consolidation

Credit Counseling in Columbus, OH

Credit counselors work with creditors and collectors directly, often getting you lower rates of interest. You won’t have to get a new loan, your credit score shouldn’t be reduced, and the calls from creditors should be minimal. Even better, you should only have a single major payment to concern yourself with–a sum you’ve budgeted for. Columbus credit counselors will show you how you can manage money, deal with your present financial challenges, and get rid of debt. Do you have at least $10,000 of medical or credit card debt or have a DTI of 50% or more? Then your credit counselor could possibly say that you need to take part in a DMP, or debt management plan. A DMP is a type of debt consolidation, because the money you owe on a monthly basis is combined into one monthly sum. However, there is no loan involved. You won’t need to speak to your creditors. Your credit counselor will take care of things from this angle.

Debt Settlement in Columbus, OH

A professional Columbus debt negotiator can often get your debt reduced to less than what you owe. Debt settlement involves agreeing to pay back part of your original debt, but not all of it. Credit card providers in Columbus understand that individuals who are behind on their payments are in danger of bankruptcy, and in that case they will get nothing at all. The programs available from debt settlement firms aren’t without their disadvantages. For instance, debt negotiation can harm your credit rating. After all, your credit card debt will never be totally paid off. On top of that, your collection calls may not decrease significantly, as they do with some other debt relief options. The first settlement won’t take place for half a year, and during that time your debts will keep mounting.

Comparing Debt Consolidation to Debt Settlement

Settling your debts and consolidating them are two separate methods. Debt settlement programs lead to a reduction in your debt, and consolidation or management does not. When it comes to debt management, consolidation, and counseling, your monthly payment is consolidated and still pay off the card issuers until your debts are fully paid. It is obvious that this is better for your FICO score, but the only debt savings are derived from discounted interest levels and late fees.

Debt Relief Companies in Columbus, OH

  • DMC Debt Management Consultants, 209 S High St, #400, 43215
  • A New Solution, 209 S High St, 43215
  • Amerassist Inc, 8415 Pulsar Pl, 43240
  • Consumer Credit Counseling Servcs of Cntrl Oho Inc, 697 E Broad St, 43215
  • Consumer Credit Counseling Service Of Central Ohio, 4500 E Broad St, 43213
  • Consumer Financial Counseling, 6189 Memorial Drive, 43201
  • Credit Counseling Centers of America Inc, 111 N 4th St, 43215
  • Creekside Title Agency, 153 Mill St, 43230
  • CTGY, 300 Phillipi Rd, 43228
  • Ctgy, 3241 Westerville Rd, 43224
  • Ctgy, 4111 Morse Xing, 43219
  • Ctgy, 4150 E 5th Ave, 43219
  • Diversified Assistance, 827 E Dublin Granville Rd, 43229
  • Young Business Development, 5690 Saranac Dr, 43232
  • Check N Go, 77 E Gay St, 43215
  • Ctgy, 4590 E Broad St, 43213
  • Research Associates Inc, 6797 N High St, #101, 43085
  • Credit Repair, 33 S James Rd, 43213
  • CBC Innovis, 250 E Town St, 43215
  • Needleman, Scott R – Needleman Law Office LLC, 5300 E Main St, #St-109, 43213
  • Semons, Tad A – Semons & Semons, 85 E Gay St, #St-508, 43215
  • Cupps & Garrison, Bankruptcy Attorneys, 35 E Gay St, #402, 43215
  • Aucoin & Younkin, 577 S High St, 43215
  • LLS Bankruptcy Attorneys Columbus, 605 N High St, #1, 43215

Collectors in Columbus, OH

  • Allied Interstate, Inc., 3000 Corporate Exchange Dr, 43231-7689
  • Amerassist A/R Solutions, Inc., 8415 Pulsar Pl Ste 250, 43240-4033
  • American Collection Systems, Inc., 2500 Corporate Exchange Dr Ste 150, 43231-7666
  • Attorney Service Group, 100 E Campus View Blvd Ste 250, 43235-4682
  • Broad Street Financial Services, Inc., 495 E Mound St, 43215-5540
  • CBCS, 236 E Town St, 43215-4633
  • Checkcare Systems of Columbus, OH, 1925 E Dublin Granville Rd Ste 103, 43229
  • Computer Credit Corporation, 2242 S Hamilton Rd Ste 101, 43232-4300
  • Estate Information Services, LLC, 2323 Lake Club Dr Ste 300, 43232-3205
  • Federal Adjustment Bureau, Inc., 4640 Executive Dr, 43220-3602
  • First Federal Credit Control, Inc, 1550 Old Henderson Rd., Suite 100-S, 43220
  • G C Services Limited Partnership, 4777 Hilton Corporate Dr, 43232-4152
  • Professional Recovery Associates, 4700 Reed Rd Ste G, 43220-3074
  • Richard L. Boylan Co., L.P.A., 929 Harrison Ave Ste 304, 43215-1346
  • Rossman & Co./PCB, 3592 Corporate Dr Ste 105, 43231-4978
  • Sanford J. Cohan Law Office, 2500 Corporate Exchange Dr., Suite 151, 43231
  • Smith Law, LTD., 2500 Corporate Exchange Dr Ste 152, 43231-7665
  • TEK-COLLECT Incorporated, 1111 Schrock Rd Ste 100, 43229-1155
  • United Collection Bureau, Inc., 4100 Horizons Dr, 43220-5280