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Best Debt Consolidation in Tampa, FL

Dec. 9, 2019, 8:41 p.m.

Those with credit card debt can benefit from debt consolidation. Debt relief companies negotiate with your creditors while you make only one monthly payment, which reduces the stress of multiple different payments. ConsumerAffairs researched the best debt consolidation companies in Tampa to help settle your debt.

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#1
MOST POPULAR
National Debt Relief

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#1 MOST POPULAR
National Debt Relief
National Debt Relief
Features
  • Minimum $10,000 credit card debt required
  • Debt settlement services
  • Debt consolidation loan alternative
  • No fees until your debt is resolved
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#2
CreditAssociates
CreditAssociates
Features
  • Minimum $10,000 credit card debt required
  • Reduce the amount you owe
  • Collateral not required
  • Debt consolidation loan alternative
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#3
CountryWide Debt Relief
CountryWide Debt Relief
Features
  • Bad credit OK
  • Minimum $10,000 credit card debt required
  • Debt consolidation loan alternative
  • Approval is guaranteed
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#4
Freedom Debt Relief
Freedom Debt Relief
Features
  • No fees until you see results
  • Free, no-risk debt relief consultation
  • $15,000 minimum credit card debt required
  • Will negotiate reduction of your credit card debts
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#5
Accredited Debt Relief
Accredited Debt Relief
Features
  • Minimum $10,000 credit card debt required
  • No fees until your debts are resolved
  • Eliminate multiple creditors
  • Debt consolidation loan alternative
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#6
Pacific Debt
Pacific Debt
Features
  • Debt consolidation loan alternative
  • Free consultation with certified debt counselor
  • No fees until you get results
  • Minimum $10,000 credit card debt required
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#7
Debt Rx
Debt Rx
Features
  • Minimum $10,000 credit card debt required
  • Free, no obligation debt analysis
  • Tailored debt solutions for each customer
  • Services offered in Spanish
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InCharge Debt Solutions
InCharge Debt Solutions
Features
  • Nonprofit status
  • Free credit counseling
  • Student loan counseling
  • HUD-certified counselors
Location
5750 Major Blvd., Ste. 300
Orlando, FL 32819
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CreditGUARD of America
CreditGUARD of America
Features
  • Nonprofit credit counseling agency
  • Reduce your interest by up to half
  • Reduce credit card payments by up to 30-50%
Location
791 Park Of Commerce Blvd., Ste. 500
Boca Raton, FL 33487
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Consumer Credit Counseling of Tampa Bay
Consumer Credit Counseling of Tampa Bay
Features
  • Not-for-profit, bank-sponsored program
  • Does not do debt settlement
  • Consolidates debt, stops fees
Location
310 S. Dale Mabry, Ste. 240
Tampa, FL 33609
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MIDFLORIDA
MIDFLORIDA
Features
  • Debt consolidation calculator online
  • Consolidates debt by refinancing your mortgage
Location
1112 S. Dale Mabry Hwy.
Tampa, FL 33629
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Debt Consolidation Florida
Debt Consolidation Florida
Features
  • Partners with debt consolidation companies and debt counselors in Florida
  • Free consultation, no obligation
Location
8502 NW. 47th St.
Tampa, FL 33602
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USF Federal Credit Union
USF Federal Credit Union
Features
  • Use personal loans up to $25,000 to consolidate debt
  • Debt consolidation advice and options for members
Location
13302 USF Palm Dr.
Tampa, FL 33612
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How to choose debt consolidation in Tampa

Tampa Skyline

Tampa consumers need debt relief, just like most Americans. The average American household has $5,700 in credit card debt, and in Florida it's even higher at $8,444. A 2015 study showed that the Tampa-St. Petersburg metro area is the eighth-highest region in the U.S. for credit card debt.

Tampa's median household income of $45,874 is about $13,000 lower than the U.S. median income, according to the Census Bureau. More than 20 percent of residents here live in poverty. This economic position makes debt a reality for many Tampa consumers.

A debt consolidation loan can help you get out of debt if you cannot keep up with payments. Debt consolidation companies can help you avoid bankruptcy and set yourself up for a brighter financial future. There are some things to think about before you take out a debt consolidation loan.

Debt consolidation pros:

  • You will have one payment rather than several

  • Your interest rate overall will be lower, saving you money in the long term

  • Most debt consolidation companies offer credit counseling and financial resources

Debt consolidation cons:

  • You still owe all the debt you've consolidated

  • It will take time to pay it all off, even up to five years

The Tampa debt consolidation company you choose should give several options to reduce and eventually eliminate your debt. Some companies will try to negotiate lower interest rates and new payment plans with your current creditors. It's worth exploring your options, especially if you're worried that you may have to declare bankruptcy because debt is taking a toll on your household finances.

National Debt Relief

National Debt Relief VISIT NATIONAL DEBT RELIEF

National Debt Relief is a trusted name in credit card debt settlement. With a source of income, you can quickly qualify and pay no upfront fees until your debt is settled. National Debt Relief can reduce debt up to 49 percent through transparent, helpful customer service, which earns them excellent reviews

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CreditAssociates

CreditAssociates VISIT CREDITASSOCIATES

For debt relief solutions, CreditAssociates works to settle debt in 24 to 36 months. Good credit is not required and customers get a free, no obligation consultation by speaking to trained advisors who are experts in negotiating down debt. Customer reviews speak highly of agents for being professional, helpful and communicative.

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CountryWide Debt Relief

CountryWide Debt Relief VISIT COUNTRYWIDE DEBT RELIEF

At CountryWide Debt Relief, approval of a debt consolidation option is guaranteed and you can see what you qualify for in a matter of minutes. A variety of plans try to get customers debt-free in just a year or two. Case studies on their website show how debt consolidation plans have worked for others.

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Freedom Debt Relief

Freedom Debt Relief

(866) 515-6714 VISIT FREEDOM DEBT RELIEF

The goal of Freedom Debt Relief is to resolve your debt for much less than you owe, as quickly as possible. The process starts with a personal phone call with a certified debt consultant who reviews your options, then can set up a customized plan with payments you are comfortable with. Clients can then view their progress 24/7 through the online dashboard.

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Accredited Debt Relief

Accredited Debt Relief VISIT ACCREDITED DEBT RELIEF

Accredited Debt Relief uses proven negotiators to work with top debt relief companies across the country, helping customers settle their debts for less than what they owe. The company is an accredited member of the American Fair Credit Council and gives back to community charities monthly. Customers often give Accredited Debt Relief five star reviews, noting their professional, personalized service.

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Pacific Debt

Pacific Debt VISIT PACIFIC DEBT

With certified debt counselors to guide your debt settlement every step of the way, Pacific Debt charges no upfront fees until you get results. The company has helped settle more than $200 million in debt for clients. Reviews speak highly of having access to a personal account manager who can help set up an affordable payment plan.

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Debt Rx

Debt Rx VISIT DEBT RX

Debt Rx is an experienced debt settlement company. They work with people having $7,500 or more in credit card debt. The company prides itself on being smaller than its competitors to better focus on personal service to find individual solutions for debt relief. For those behind on payments, Debt Rx may be the right prescription to ease the pain of being in debt.

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