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  3. Kansas City Debt Consolidation

Best Debt Consolidation in Kansas City, MO

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If you're concerned about growing debt, you're not alone. Many Kansas City residents seek help from debt relief companies. These businesses provide a variety of services, including debt settlement, credit counseling and debt consolidation. We put together a list of the best debt relief companies in Kansas City to help you find one.

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Top 11 Kansas City Debt Relief Companies

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    Kansas City skyline

    Should I work with a debt relief company in Kansas City?

    Debt settlement or debt consolidation companies in Kansas City can help if you’re struggling with credit card debt.

    Debt relief companies in Missouri can recommend a debt management plan that fits your current financial situation. Many businesses offer a variety of free educational materials to guide you through financial difficulties.

    Two of the most common types of debt relief in Missouri include:

    • Debt consolidation allows you to merge multiple debts into one new loan or credit account. The new loan or account typically has a better interest rate, which lets you pay less each month and have more money left after your payments. Debt consolidation also allows you to pay one creditor each month instead of multiple ones.
    • Debt settlement is the process of negotiating with your creditors to pay off your debt for a lump-sum payment of less than you owe. You accomplish this by stopping payments to your creditors and letting your Kansas City debt settlement company negotiate for you. In the meantime, you make a single affordable payment into an account set up for debt settlement purposes, which is used by your debt settlement company to offer as payment to your creditors.

    Most debt relief companies in Missouri require their clients to have $10,000 or more of unsecured debt, which is debt not secured by collateral. Many companies also offer a free personalized plan or initial consultation you can use to evaluate whether their services might work for you before committing.

    If these strategies are not right for you, filing for bankruptcy may be a final option. However, debt relief companies work with you to prevent bankruptcy and exhaust every other possible solution first.

    How much does debt relief cost in Kansas City?

    The price of debt relief varies based on what services you need:

    Credit counselingAvailable for free from nonprofit organizations
    Debt consolidationVaries based on the interest rate of your debt consolidation loan
    Debt settlement15% to 25% of your either your total debt or the amount settled

    Debt consolidation and debt settlement companies should be transparent about their interest rates, programs and process. Be wary of debt relief companies that:

    • Charge large upfront fees
    • Attempt to collect fees before your debt is consolidated or settled
    • Don’t answer questions about their process

    Not sure how to choose?

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      Kansas City debt relief company information

      KC Credit Services Debt Consolidation

      KC Credit Services has been helping Kansas City residents in need of financial stability for more than 25 years. While its most popular debt relief service is negotiating with creditors, this company also helps those trying to buy a house, buy a car or learn more about credit and finances. It offers credit programs for any budget so everyone in KC can gain and maintain financial stability.

      • Address: 2016 Swift St., North Kansas City, MO 64116
      • Phone: (816) 421-8001
      • Hours: M - F: 9am - 6pm
      • Website: kccreditservices.com
      CareOne Debt Relief Services Kansas City

      CareOne Debt Relief Services has helped more than 5 million people. Its areas of practice include debt management, debt consolidation and debt settlement. This company has relationships with more than 263,000 creditors, which helps it get clients low monthly payments and reduced interest rates.

      • Address: Serves Kansas City residents
      • Phone: (888) 694-3328
      • Hours: M - Th: 9am - 8pm; F: 9am - 6pm
      • Website: careonecredit.com
      Debt Reduction Services Kansas City

      Debt Reduction Services offers debt consolidation, credit counseling and bankruptcy assistance. It is a full-service, nonprofit company that has been helping consumers since 1996. Debt Reduction Services is also a member of the Financial Counseling Association of America.

      • Address: Serves Kansas City residents
      • Phone: (866) 688-3328
      • Hours: Call for hours
      • Website: debtreductionservices.org
      Holcomb Law

      Holcomb Law specializes in insolvency resulting from divorce, separation, job loss or medical problems. Other areas of practice include personal injury law, workers’ compensation and traffic law. This firm has more than 20 years of experience and works to provide the highest possible level of service for your case.

      • Address: 8600 NW 64th St., Ste. 421, Kansas City, MO 64152
      • Phone: (816) 741-0006
      • Hours: M - F: 8am - 5pm
      • Website: holcombkclaw.com

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