We Can Help with Credit Card Debt Consolidation

Contact us to get out of credit card debt in as little as 36 months.

You are not alone:

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Consolidate Debt and Reduce Your Total Credit Card Payments by up to 30-50%.

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##first_name##, here are your next steps…

Get a clear picture of your spending vs. your income. Begin your online budget and financial analysis now by clicking the button above.

Our experts are here to help you understand your options and reach your goals. After you complete the easy-to-use online budget, one of our certified counselors will reach out to you and provide recommendations.

Everything shared is 100% confidential and secure.

I understand and agree that by choosing “Start your online budget now”, I am voluntarily providing certain personal financial information in order to educate myself as to my current financial position. I understand that this budget tool is educational in nature, and that none of the information received in the form of a budget constitutes financial advice, nor does it constitute a counseling session. I understand and agree that the budget depends on the information I input into the fields, and that Company does not represent or guarantee the accuracy of the budget. I understand that this tool may collect information and should I choose not to provide such information, I am not to proceed further. If I choose to abandon the tool midway through the process, I understand that the information will not be maintained and I would be required to start providing the information from the beginning. Company disclaims all warranties associated with the budget tool herein. I understand and agree that Company may use the contact information provided herein to contact me through various means of communications, including automated messages, and that I expressly consent to receive these messages.

Here’s what clients say about our debt consolidation program…

5 stars

Excellent service

All my dealings have been completed timely and Consolidated Credit had represented


5 stars

Helping me to get out of…

Helping me to get out of debt,with low payment. Thanks for your support 🙏🦋😊


5 stars

Great Customer Service!

So far everything is great. I had an issue but Consolidated Credit handle it in a…


5 stars

They are just helpful

They are just helpful, polite and seem to care about you

Sharon Ellis

5 stars

Professional and…

Professional and courteous representatives.


5 stars

CCS is a great Company!

CCS is a great Company! They are supportive, comforting and a big help in getting my…

Renee Monroe

5 stars

Great Company so far

We are new with this company. So far the best thing is the way they keep in constant…


5 stars

Great Company

Great I would recommend this company


5 stars

The Agent was patient…

The Agent was patient and very helpful


5 stars

Very Friendly

The consultant I spoke with, Jason, was extremely friendly and non-judgemental. The…


4 stars


Courtesy, they are very helpful, and they are very trained about the lenders process…


5 stars

Very nice and good.

Very helpful customer service. I’m lucky to have this access.


5 stars

Craig Mednick listened…

Craig Mednick listened very well and pleasantly as I described my situation. He then…

Viola Magsisi

5 stars


The team was extremely patient and supportive. They created an extremely manageable…


Showing our 4 and 5 star ratings


Best Rating: 5

Average Rating: 4.7

Reviews: 9031

Visit Trustpilot for client reviews »

Credit Card Debt Consolidation Programs Help Consumers Who Can’t Consolidate on Their Own

Credit card debt consolidation combines all your debts into one affordable monthly payment at the lowest interest rate possible. This simplifies bill payments and allows you to focus on paying off the debt you owe, rather than accrued monthly interest charges. The result is that you can get out of debt faster, even though you may pay less each month.

While the most popular way to consolidate debt is with a personal loan, this option doesn’t work for all consumers. If you have a low credit score or too much debt, you may have trouble qualifying. Luckily, a credit card debt consolidation program can work for almost anyone, regardless of whether they have a bad credit score or too much debt to qualify for a debt consolidation loan.

Consolidated Credit is one of the nation’s oldest and largest nonprofit debt consolidation companies. In 30 years, we’ve provided free credit counseling to over 10 million credit users and helped people consolidate over $9.5 billion in credit card debt. It all starts with a free, confidential debt and budget evaluation with a certified credit counselor.

Credit Card Debt Consolidation with a Debt Management Program

  • Consolidate credit card debt into one affordable monthly payment
  • Reduce your interest rates and stop late fees
  • Avoid credit damage and rebuild your credit

GET HELP NOW (844) 434-0351

Success Story

Tammy B. from Concord, ND

“I am almost finished with my consolidation! I only have 3 months and I will be debt free!!! Thanks to consolidated credit! I can only imagine where I would be today if I had not decided to go with this company. I was barely paying my minimum payment on some cards and not paying others at all! The interest and late fees were burying me month by month. So I knew that my only choice was to either file bankruptcy or find a company that was honest and would help me dig my way out of this hole I was in. After weeks of reading reviews online I decided that Consolidated was the company to go with. Although it has not always been easy I take pride in the fact that I have paid all my creditors back the money that I borrowed, with of course the help of this great organization! ”

Success Story

Liz A. from Colorado Springs, CO

“My credit score was around 600 before and it is now up to 750. We’ve bought a couple cars during this process with very good interest rates. I’m so happy we did this. After paying $50,000 in four and a half years, I think pretty much anything is possible. ”

Success Story

Alex P. from Miami Lakes, AL

“I would like to say Thank you for the outstanding service that you gave me. I started the program just four short years ago and in March I will be debt free. With your help in setting better plans with my creditors I was able to accomplish this. It was hard work, but it was all worth it at the end. The Consolidated credit counselors are the best; they answered all of my question(s) and helped me every step of the way. ”

Success Story

Christine W. from San Diego, CA

“We were up to our ears in credit card debt from purchasing a house we couldn’t afford. They were able to enroll most of our credit card companies in the program and brought our interest rates to anywhere from 0% to 2%. Now, at the halfway mark, we can envision what it will be to be completely debt free! The credit counselors are incredibly warm and helpful when you call. They are always available and they keep close track of your creditors by requesting quarterly updates, making sure all the companies are still at the agreed interest rate. ”

Success Story

Althea from Huntsville, AL

“I’m very pleased with the $400 payment that I make to Consolidated Credit to disburse to my creditors. Reducing my payments by around 20% put it in a financial range I could afford. If feels so good that the money goes towards the principal now and not interest. ”