Best Debt Consolidation in Pittsburgh, PA
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.
- Our recommendations are based on what reviewers say.
- 4,241,839 reviews on ConsumerAffairs are verified.
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Top 12 Pittsburgh 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 prospective customers free online credit counseling sessions. Member of the National Foundation for Credit Counseling. Provides educational resources for debt relief on its website. |  | Chat with a ConsumerAffairs decision guide Live agent | |||
| Read Author Review | Offers custom services for clients in Pittsburgh and across the U.S. Provides customers with free credit analysis, personalized plans and a six-month money-back guarantee. |  | Chat with a ConsumerAffairs decision guide Live agent | |||
| Read Author Review | Offers debt resolution services nationwide. Provides free debt consolidation consultations and an online portal for easy account management. Has an online learning center that provides educational resources on debt relief. |  | Chat with a ConsumerAffairs decision guide Live agent | |||
| Read Author Review | Connects Pittsburgh customers to certified debt consolidation and debt settlement companies. Provides free debt evaluation online or over the phone. Takes two to five years to complete most debt relief programs. |  | Chat with a ConsumerAffairs decision guide Live agent | |||
| Read Author Review | Partners with certified debt consolidation organizations to provide debt settlement and debt consolidation. Offers free quotes online. Assists Pittsburgh clients during the debt resolution process. |  | Chat with a ConsumerAffairs decision guide Live agent | |||
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?
Will debt settlement affect my credit score?
What are the requirements for debt settlement in Pittsburgh?
What type of debt relief is best for my situation?
Can I negotiate with creditors myself?
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Pittsburgh debt relief company information
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 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 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’ 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 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
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