Best Debt Consolidation in Kansas City, MO
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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| 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 | |||
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| Minimum debt required is $10,000. Average debt settlement program takes 2-4 years. Multiple plans available, and no fees are required until settlement is reached. Money-back guarantee. Debt settlement only, no loans available. |  | ||||
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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 | |||
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| Specializes in debt settlement services. Debt can be settled in 24 to 48 months, and fees range from 15% to 25%. $15,000 minimum debt required. Track progress 24/7 via online dashboard. No-risk debt relief consultation offered. |  | Get Started | |||
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| $10,000 minimum debt required. Low monthly program payment and no upfront fees. Service fees vary between 15 and 25% of the total debt enrolled. Most results take 24-48 months. Offers debt negotiation, but not consolidation loans. |  | ||||
Works with unsecured debts only, such as credit card, medical and business debt. Eliminates debt in 24 to 48 months. Service fee is 15% to 25%, and a free initial debt consultation is available. Not available in all states. |  | Chat with a ConsumerAffairs decision guide Live agent | ||||
Loan amounts from $1,000 to $47,500. Select from terms between 12 and 60 months. APR is from 4.99% to 29.99%. No minimum credit score. No administration fee and no prepayment penalty. Limited availability. |  | Chat with a ConsumerAffairs decision guide Live agent | ||||
| Read Author Review | Offers each prospective customer a free debt analysis and personalized plan. Employs a team that understands debt relief, often from personal experience. |  | Chat with a ConsumerAffairs decision guide Live agent | |||
| Read Author Review | Offers free counseling sessions and free debt consolidation consultations with no obligation. Offers debt consolidation services without requiring a loan. |  | Chat with a ConsumerAffairs decision guide Live agent | |||
| Read Author Review | Operates out of three offices in the Kansas City metro area. Offers an initial no-cost consultation over the phone or in person. Provides same- or next-day appointments with experienced attorneys and bankruptcy specialists. |  | Chat with a ConsumerAffairs decision guide Live agent | |||
| Read Author Review | Licensed by the Missouri Division of Finance. Teaches clients in Kansas City how to negotiate debt with creditors. Offers a variety of budget-friendly credit repair programs. |  | Chat with a ConsumerAffairs decision guide Live agent | |||
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:
| Service | Cost |
|---|---|
| Credit counseling | Available for free from nonprofit organizations |
| Debt consolidation | Varies based on the interest rate of your debt consolidation loan |
| Debt settlement | 15% 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
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Kansas City debt relief company information
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 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 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 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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