Best Debt Consolidation in Denver, CO

Debt relief companies help people manage credit card debt through a variety of services. These businesses help customers with multiple types of debt relief, including debt settlement and debt consolidation. Keep reading to see which companies offer the best debt relief in Denver to help you manage your finances.
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Top 9 Denver Debt Relief Companies | ||||||
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| Debt is often reduced by as much as 50%, with most cases settled in 24-48 months. Fees vary between 15-25% of enrolled debt. No upfront fees. $10,000 minimum debt required. Offers debt settlement services, not a loan provider. | ![]() | Get Started Call Center Open (888) 215-2725 | |||
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| Nonprofit credit counselor serving all 50 states. Housing counseling and debt management plans. Average $40 monthly fees. Minimum $1,000 in eligible debt. Provides a financial literacy program for employers. | ![]() | Get a Quote Call Center Open (844) 342-2783 | |||
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Achieve Personal Loans
Partner DisclosuresAll loans available through Achieve Personal Loans (NMLS ID #227977) are originated by Cross River Bank (a New Jersey state chartered commercial bank) or Pathward®, N.A. (Equal Housing Lenders) and may not be available in all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Minimum loan amounts vary due to state-specific legal restrictions – please call an Achieve Personal Loans consultant for further details. Loan amounts generally range from $5,000 to $50,000 including origination fees, and are offered based on loan purpose and underwriting conditions. Repayment periods range from 24 to 60 months. APRs range from 7.99% to 29.99% APR and include applicable origination fees. Example loan: four-year $20,000 loan with an origination fee of 6.99%, a rate of 15.49%, and corresponding APR of 19.54%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 7.99% APR loan, a borrower will need excellent credit, a loan amount for $12,000.00 or less, and a term of 24 months. Loan origination fees vary from 1.99% to 6.99%. Adding a co-borrower with sufficient income; using at least 85% of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could also help you qualify for lower rates. | Loan amounts from $5,000 to $50,000. Select from 24- to 60-month terms. APR from 7.99% to 29.99%. Requires 620 credit score. Origination fee up to 6.99%. No prepayment penalty. | ![]() | Get Started Call Center Open (844) 752-5328 | ||
Read Author Review | Provides personalized debt relief solutions, including debt settlement. Works directly with clients to determine their best debt relief option. Has more than 30 years of collective attorney experience. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
Read Author Review | Provides free advice on debt consolidation, debt settlement and dealing with creditors and collection agencies. Connects you with a financial coach and client relationship manager. Has helped nearly half a million clients. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
Read Author Review | Consolidates debt into one monthly payment without a loan. Reduces interest rates and stops late fees and collection calls. Offers a free debt consolidation consultation. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
Read Author Review | Specializes in credit card debt relief. Guarantees to save you more than 30% of your total unsecured debt or not charge a fee. Completes debt settlement within 18 months. Offers free consultations. | ![]() | Chat with a ConsumerAffairs decision guide Live agent | |||
Read Author Review | Provides full-service debt relief. Offers a free consultation to review your financial situation and go over debt relief options. Gives all clients attorneys’ personal phone numbers and is always available to answer questions. | ![]() | Chat with a ConsumerAffairs decision guide Live agent |

Can I qualify for debt relief in Denver?
Most people with more than $10,000 of debt qualify for debt relief in Denver, though requirements change depending on the type of debt relief you seek.
To qualify for the debt settlement process, in which companies negotiate with creditors and offer a lump-sum payment of less than you owe, businesses typically require:
- A minimum of $10,000 of unsecured debt, such as credit card debt
- Being behind on payments or willing to stop payments to creditors
- The ability to deposit a lump sum or monthly payments into an account the debt relief company can use to make a lump-sum payment offers to creditors
Companies that provide debt consolidation loans typically require clients to have a credit score of at least 640 to qualify for the loan. Companies may work with clients with lower scores, but they often charge higher interest rates.
The best way to find out if you qualify for debt relief in Denver is to contact a company and ask. Many companies offer a free consultation to go over your financial situation and let you know if you qualify for debt relief and which form is best for your financial situation.
How to choose a debt relief company in Denver, CO
Look for a debt relief company in Denver that has good reviews from former clients and experience with a variety of debt relief strategies, including debt settlement and debt consolidation. The company, whether it’s for-profit or nonprofit, must be registered as a debt management services provider in Colorado. You can look up whether a debt relief company’s registration is active and if it has a disciplinary history on the Colorado Office of the Attorney General’s website.
Ask the debt relief company if it has affiliations with any professional organizations, such as the Financial Counseling Association of America (FCAA) or the American Fair Credit Council (AFCC). Learn how long it has been in business and how much debt it has helped clients save.
Schedule consultations with several debt relief companies in Denver to meet with representatives and go over debt relief options and fees.
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Denver debt relief company information

Trident Debt Solutions has provided millions of dollars in debt relief to clients since 2003 and specializes in credit card debt relief. Clients usually complete debt settlement within 18 months and, according to the company, typically settle for 50 cents to 60 cents on the dollar. Call Trident Debt Solutions to set up a free consultation.
- Address: 1444 Stuart St., Denver, CO 80204
- Phone: (303) 872-8492
- Hours: Call for hours
- Website: tridentdebtsolutions.com

Cohen & Cohen P.C. provides clients with comprehensive debt relief strategies, including debt settlement. It works directly with clients to determine the best debt relief options. The lawyers at Cohen & Cohen P.C. have more than 30 years of collective experience and have earned dozens of positive testimonials.
- Address: 1720 S. Bellaire St., Ste. 205, Denver, CO 80222
- Phone: (303) 933-4529
- Hours: Call for hours
- Website: cohenlawdenver.com

Wink & Wink P.C. is a husband-and-wife law firm that offers debt relief services, including debt settlement. It offers a free, no-obligation consultation in person or over the phone to review your financial situation, discuss alternatives to bankruptcy, answer your questions and give an objective opinion about the most cost-effective form of debt relief for you.
- Address: 7887 E. Belleview Ave., Ste. 1100, Denver, CO 80111
- Phone: (303) 410-1720
- Hours: Call for hours
- Website: winkandwink.com

Debt Reduction Services is a debt management and credit counseling organization that has helped thousands of customers since 1996. Its services include low-cost debt management programs and free credit counseling. Contact this nonprofit for a free debt relief consultation.
- Address: Serves Denver residents
- Phone: (877) 688-3328
- Hours: M - F: 7am - 6pm
- Website: debtreductionservices.org/debt-consolidation/denver-colorado

Debt Consolidation Care helps individuals and families by providing free advice on debt consolidation, debt settlement and other debt issues. The company has helped more than 470,000 people pay off debts over the past 10 years. It offers advice on how to lower monthly payments, reduce credit card interest rates and avoid bankruptcy.
- Address: Serves Denver residents
- Phone: (800) 332-8913
- Hours: Call for hours
- Website: debtconsolidationcare.com/colorado
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