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Best Debt Consolidation in Pittsburgh, PA

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by Sandi Pope ConsumerAffairs Research Team

If you’re dealing with credit card debt and struggling to keep up with your payments, debt relief companies can help. Debt relief includes a variety of options, including debt settlement, debt consolidation, credit counseling and bankruptcy. We created a list of the best debt relief companies in Pittsburgh to help you find a reputable business.

Take a Financial Relief Quiz. Get matched with an Authorized Partner.

Top 12 Pittsburgh Debt Relief Companies

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    The average Pittsburgh resident carries just less than $6,000 in credit card debt. When that’s added to other debts, it's difficult to keep up with living expenses. Many locals in this situation turn to Pittsburgh's reputable debt relief companies to restructure their debt and save money.

    Can I qualify for debt relief in Pittsburgh?

    There are several different types of debt relief in Pittsburgh, including debt settlement and debt consolidation loans.

    • Debt consolidation loans require you to take out one loan that is used to pay all your other debts. Doing this lets you make one payment each month, often at a lower interest rate.
    • With debt settlement, you make a monthly payment to a company that negotiates with your creditors to settle your debt for less than you owe.

    There are usually a few requirements you must meet before you qualify for debt consolidation loans in Pittsburgh, including: 

    • Credit score above 580
    • Ability to replay loan
    • Clean credit history

    Most debt settlement companies require you to have more than $10,000 in unsecured loans. Debt settlement often allows you to pay less than you owe to settle a debt, but you must stop making payments during negotiation, which typically hurts your credit score. However, it’s often a more attractive option than bankruptcy.

    Debt relief FAQ

    How does debt settlement work?
    The debt settlement process requires you to put an affordable monthly payment into an account set up solely for debt settlement purposes. The company you're working with uses this amount to attempt to settle your debts for less than you owe. Once a debt is settled, the company waits for the fund to rebuild before negotiating with the next creditor.
    Will debt settlement affect my credit score?
    Yes, it’s common to see your credit score drop during debt settlement. However, it usually has less than an impact than declaring bankruptcy, so it’s often still an attractive option to people overwhelmed with debt.
    What are the requirements for debt settlement in Pittsburgh?
    Most debt settlement companies require you to have at least $10,000 in unsecured debt. Unsecured debt is money you owe that is not secured by a possession that can be forfeited or repossessed. Credit card debt is unsecured, while mortgages and car loans are secured loans.
    What type of debt relief is best for my situation?
    Everyone’s debt situation is different, and it’s difficult to choose what option might work best for you. Most debt relief companies offer a free consultation during which an expert looks at your debt situation and helps you choose the best debt relief process.
    Can I negotiate with creditors myself?
    Yes, it is possible to negotiate with creditors yourself in an attempt to pay less than you owe on a debt, but the process is time-consuming and often frustrating. Debt settlement companies have the experience and expertise to negotiate with creditors and receive the best possible results.

    Not sure how to choose?

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      Pittsburgh debt relief company information

      Advantage Credit Counseling Service

      Advantage Credit Counseling Service is a certified, nonprofit debt counseling agency that assists Pittsburgh residents. Schedule a free, online credit counseling session to learn more. Customers can browse its online education library for helpful information about managing debt.

      • Address: 2403 Sidney St., Ste. 225, Pittsburgh, PA 15203
      • Phone: (866) 699-2227
      • Hours: M - Th: 8am - 8pm; F: 8am - 5pm
      • Website: advantageccs.org
      Debt Reduction Services Pittsburgh

      Debt Reduction Services specializes in debt consolidation. The company’s program wraps all of your debt into one monthly payment that you pay off over five years. Clients get access to financial education resources and active financial planning. Call for a free consultation.

      • Address: Serves Pittsburgh residents
      • Phone: (866) 688-3328
      • Hours: M - F: 9am - 8pm
      • Website: debtreductionservices.org/debt-consolidation/pittsburgh-pennsylvania
      CareOne Debt Relief Services

      CareOne Debt Relief Services provides custom debt relief plans for customers across the country. Pittsburgh clients can call‌ CareOne to get a free credit analysis and a personalized plan. It also has a debt consolidation program that offers simplified monthly payments at a reduced interest rate. The program is available for those with bad credit. All of CareOne’s services include a six-month money-back guarantee. Visit its website for additional educational resources to help reduce your debt.

      • Address: Serves Pittsburgh residents
      • Phone: (888) 694-3328
      • Hours: M - Th: 9am - 8pm, F: 9am - 6pm
      • Website: careonecredit.com/debt-consolidation/pennsylvania/pittsburgh
      DebtQuotes

      DebtQuotes’ debt consolidation program helps Pittsburgh residents lower their interest rates and group their payments into one monthly fee. DebtQuotes doesn’t provide these services directly, but it connects customers to trusted partner organizations that specialize in debt consolidation. The company offers free quotes.

      • Address: Serves Pittsburgh residents
      • Phone: (844) 515-2787
      • Hours: Call for hours
      • Website: pennsylvania.debtquotes.com/debt-consolidation-pittsburgh.html
      Debt Relief of Pennsylvania

      Debt Relief of Pennsylvania leverages its industry contacts to connect you to the best debt consolidation or debt settlement companies in Pittsburgh. Its partners are usually attorneys or certified credit counseling agencies. Call to receive a 100% free debt evaluation or visit its website for helpful debt relief information.

      • Address: Serves Pittsburgh residents
      • Phone: (888) 256-4326
      • Hours: Call for hours
      • Website: debtreliefpennsylvania.com/counseling/credit-counseling-pittsburgh-pa
      by Sandi Pope ConsumerAffairs Research Team

      Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.

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