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Find the Best Debt Consolidation in Portland, OR

Portland’s cost of living ranks among the highest in the U.S., so the city has its fair share of residents with debt problems. Many people struggling with debt seek debt relief, which can include debt settlement or debt consolidation. We found the best debt consolidation and debt settlement companies in Portland to help you.

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by Sandi Pope ConsumerAffairs Research Team

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Top 8 Portland Debt Relief Companies

Consolidated Credit Solutions Read 1,410 Reviews

Reduce credit card payments by up to 30-50%. Offers free online financial education webinars and three debt solutions, including debt consolidation. Specialized credit counseling available for military families.

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FreedomPlus Read 506 Reviews

Offers personal loans up to $50,000. Underwrites consumer loans under Freedom Financial Network LLC. Recommended minimum debt of $10,000 for debt consolidation.

Debt Reduction Services Portland Read Author Review

Consolidates debt into one monthly payment. Lowers interest rates, stops late fees and ends collection calls. Offers no-cost, no-obligation credit and debt assessments.

Debt Relief NW Read Author Review

Helps with debt management and debt settlement of credit card debt, medical bills and unsecured loans. Assigns a personal solution specialist to your case. Offers free consultations.

DebtQuotes Portland Read Author Review

Personalizes a debt consolidation plan that satisfies creditors and allows you to pay living expenses. Sets up one convenient monthly payment. Offers free quotes and credit consultations.

The Law Offices of Alexzander C.J. Adams P.C. Read Author Review

Assists with debt settlement as an alternative to bankruptcy. Offers confidential, no-obligation consultations. Handles cases throughout Oregon. Available 24/7 through live chat on website.

Wisehart Law Read Author Review

Negotiates with creditors on your behalf and fights for the best possible outcome. Offers free initial consultations to weigh the pros and cons of debt negotiation. Has two Portland-area locations.

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Portland skyline

Debt relief companies in Portland help people pay back unsecured debts, which includes credit card debt and personal loans that do not have collateral attached. Some debt consolidation companies may assist with secured debts, as well.

Should I work with a debt relief company in Portland?

Debt relief companies may be able to reduce the amount of debt you owe through debt settlement or turn multiple debts into a single, manageable monthly payment with debt consolidation.

  • Debt consolidation: Debt consolidation works by using a debt consolidation loan to pay off your existing debts with one lump-sum payment. This streamlines the payment process, and the new loan typically has a lower interest rate, which saves money over time.
  • Debt settlement: Debt settlement is when a company negotiates with your creditors to lower the amount you owe, which often allows you to settle the debt for far less than the original sum. During the negotiation process, you place a monthly payment into an account that is used to save money to be offered as lump-sum payments in negotiations.

Debt relief may take multiple years, and debt settlement can hurt your credit score. Debt relief is typically a better alternative than bankruptcy, however. If you’re interested in debt relief in Portland, your first step is to set up a consultation with a debt relief company to learn if you qualify and what type of debt relief works best for your situation.

How to choose a debt relief company in Portland, OR

When choosing a debt relief company in Portland, look for experience, positive client reviews and the ability to offer various debt relief solutions, including debt settlement and debt consolidation.

Most debt relief companies offer free, confidential consultations to analyze your financial situation and discuss possible strategies. Some companies may charge for this service — in Oregon, the maximum amount a company can charge for a consultation is $50. Debt settlement companies in Oregon can charge a maximum of 7.5% of the difference between the principal debt amount and the negotiated amount on settled debt.

Before committing to working with a debt relief company, the business should give you a written agreement that lists the provided services, all your debts and all possible fees the company can charge. If a business doesn’t offer you an agreement, treat it as a red flag that it may be attempting to scam you.

Make sure the debt settlement or debt consolidation business is registered with the Oregon Division of Financial Regulation (DFR). All companies in the state that help people with debt must register. You can search the DFR’s website for registered debt relief companies in Oregon using the name, license number or location.

Avoid any company that charges fees before it settles your debts, promises an exact percentage of debt reduction or guarantees it can make your debt disappear. The Federal Trade Commission recommends checking for consumer complaints with the Oregon Department of Justice before selecting a debt relief company.

Not sure how to choose?

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    Portland debt relief company information

    Debt Relief NW

    Debt Relief NW assigns a specialist to your case to help with debt management, debt settlement or bankruptcy in Portland. You can visit the company’s website to access various debt resources and view actual settlements Debt Relief NW has negotiated. Call to set up a free consultation.

    • Address: Serves Portland residents
    • Phone: (877) 492-4109
    • Hours: Call for hours
    • Website:
    Wisehart Law

    Wisehart Law’s practice areas include debt settlement and debt negotiation. During a free consultation, its attorneys help you assess if negotiating a debt settlement is the right solution for your case. Wisehart Law has years of experience and has handled hundreds of cases.

    • Address: 1001 SW Fifth Ave., Ste. 1100, Portland, OR 97204; Multiple locations
    • Phone: (503) 850-2992
    • Hours: M - F: 8am - 6pm; Sat: 8am - 1pm
    • Website:
    The Law Offices of Alexzander C.J. Adams P.C.

    The Law Offices of Alexzander C.J. Adams P.C. focuses mainly on consumer debt issues and helps clients with debt settlement. The company has 24/7 assistance by live chat on its website to help with any questions. Call the office to schedule a free, confidential consultation or fill out an online case evaluation.

    • Address: 14705 SW Millikan Way, Beaverton, OR 97003
    • Phone: (503) 278-5400
    • Hours: Call for hours
    • Website:
    Debt Reduction Services Portland

    Debt Reduction Services is a full-service, nonprofit debt management and credit counseling organization that has helped thousands of people. Its services help you negotiate with creditors and consolidate your bills into one monthly payment. Schedule a free credit and debt assessment with no obligation.

    • Address: Serves Portland residents
    • Phone: (866) 688-3328
    • Hours: M - F: 6am - 5pm
    • Website:
    DebtQuotes Portland

    DebtQuotes specializes in debt settlement and debt consolidation. The company helps Portland residents reduce their monthly payments and interest charges. Complete a short form online to have one of its specialists review your information and put you in touch with a debt expert within 48 hours.

    • Address: Serves Portland residents
    • Phone: (844) 515-2787
    • Hours: Call for hours
    • Website:
    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.