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Find the Best Debt Consolidation in Tulsa, OK

Many Tulsa residents struggling with debt seek out debt relief to make their payments more manageable. There are multiple types of debt relief, including debt settlement and debt consolidation. We created this guide to help you find the best debt relief companies in Tulsa and start on the path to financial freedom.

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by Sandi Pope ConsumerAffairs Research Team

Top 11 Tulsa Debt Relief Companies

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National Debt Relief
Read 47,613 Reviews

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.

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Freedom Debt Relief
Read 22,435 Reviews

Specializes in debt settlement services only. Debt can be settled in 24-48 months, and fees range from 15-25%. $15,000 minimum debt required. Track progress 24-7 via online dashboard. No-risk debt-relief consultation offered.

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Consolidated Credit Solutions
Read 1,545 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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Accredited Debt Relief
Read 520 Reviews

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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Read 348 Reviews

This debt settlement company helps clients eliminate debt in as little as 24-36 months. It uses state-of-the-art software and a team of experts to negotiate your debt with your creditors. Settlement only, not a lender.

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Pacific Debt Inc
Read 540 Reviews

$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.

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Credit Direct
Read 80 Reviews

Offers unsecured personal loans from $5,000 to $40,000. Fixed interest rates and no hidden fees. No early repayment fees. APR as low as 4.99%. No minimum credit score requirement to apply. Provides unsecured debt consolidation.

CareOne Debt Relief Services Tulsa Read Author Review

Offers reduced interest rates, lower monthly payments and waived late fees with its multiple debt consolidation options. Provides a six-month, 100% satisfaction guarantee.

Debt Reduction Services Tulsa Read Author Review

Offers free credit counseling and budgeting advice. Charges monthly account maintenance fees and a one-time enrollment fee to process your paperwork and get you in a debt relief program.

Debt Relief A La Carte Read Author Review

Charges $1,800 for 60% settlements, with a sliding scale for smaller percentages. Averages settlements of 43.98%. Completes debt settlement programs in an average of 122 days.

The Colpitts Law Firm Read Author Review

Provides free, confidential initial consultations. Offers debt settlement services. Certified in consumer bankruptcy by the American Board of Certification. Varies attorney’s fees based on the complexity of the case.

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Tulsa skyline

According to Experian’s "State of Credit" report, the average Tulsa household carries $5,616 in credit card debt, which is just slightly higher than the national average of $5,551. Around 42% of Tulsa residents are also delinquent on their debt payments, which means many Tulsans are struggling with penalties, late fees and fines. Many Tulsa residents seek debt relief to help eliminate fees and take control of their finances.

Should I work with a debt relief company in Tulsa?

If you’re struggling with your credit card debt, debt relief companies in Tulsa can help. Debt relief companies in Tulsa help you avoid bankruptcy, lower your interest rates, reduce the total amount that you owe and provide educational resources to help you learn how to stay out of debt in the future.

Working with a debt settlement or debt consolidation company in Tulsa allows people to pay off their existing debts easier. The two most popular forms of debt relief are:

  • Debt consolidation lets you make one monthly payment, which helps you manage your debt. It often involves taking out a debt consolidation loan with a lower interest rate than your current debt. Depending on the length of this loan, however, you may end up paying more over time.
  • Debt settlement requires you to make monthly payments into an account set up for debt settlement purposes. The funds in this account are used by a debt settlement company to negotiate a lump-sum payment of less than what you owe with your creditors to settle your debt. Because you stop payments to your creditors, you may see a decrease in your credit score.

Speak with a debt expert in Tulsa to find the best way out of your current financial situation.

Can I qualify for debt relief in Tulsa?

Most Tulsa residents can qualify for some form of debt relief, but the best type of debt relief depends on your situation.

You may qualify for debt settlement if:

  • You have at least $10,000 in unsecured debt
  • You have a steady income to put toward your lump-sum settlement
  • You’re already behind on payments or willing to stop payments

Debt consolidation often has more requirements than debt settlement. Most debt consolidation lenders require you to have a credit score of at least 620, though some lenders approve borrowers with lower scores. If you have a lower credit score, however, your loan is likely to have a higher interest rate.

Not sure how to choose?

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    Tulsa debt relief company information

    Debt Relief A La Carte

    Debt Relief A La Carte uses a four-part plan to thoroughly investigate your debt history and explore multiple options for debt relief. This company settles more than 93% of its clients’ accounts, and the average debt settlement program takes 122 days. It charges 10% to 15% of the money you save in your settlement. The employees are experts in settling all types of unsecured debt, including medical bills, credit card debt, lines of credit, legal bills and deficiency balances on repossessed cars and foreclosures.

    • Address: 406 S. Boulder Ave., Tulsa, OK 74103
    • Phone: (918) 519-5090
    • Hours: M - Th: 8am - 8pm; F: 8am - 6pm
    • Website:
    Debt Reduction Services Tulsa

    Debt Reduction Services offers free budgeting advice and credit counseling to Tulsa residents. The company’s debt consolidation plans reduce your monthly payments, eliminate costly late fees and stop collection calls. DRS assigns each customer a highly trained client support specialist to monitor your accounts and communicate with you. The company also reviews your current financial situation to help you plan for anything that negatively impacts your credit score.

    • Address: 4111 S. Darlington Ave., Ste. 610, Tulsa, OK 74135
    • Phone: (877) 688-3328
    • Hours: M-F: 9am - 7pm
    • Website:
    The Colpitts Law Firm

    The Colpitts Law Firm prides itself on providing second chances to those who find themselves overwhelmed with debt. The lawyers at Colpitts help stop calls and letters from creditors and explore multiple debt relief options so their clients can avoid filing bankruptcy. If debt settlement can’t help, the firm guides clients through life after a bankruptcy as well.

    • Address: 6506 S. Lewis Ave., Ste. 175, Tulsa, OK 74136
    • Phone: (918) 302-2662
    • Hours: M - F: 8:30am - 5pm
    • Website:
    CareOne Debt Relief Services Tulsa

    CareOne Debt Relief Services is a team of debt relief specialists, many of whom have personal experience dealing with debt. The company’s specialists understand that debt relief is not a one-size-fits-all solution and create free, personalized plans to help clients take the right steps towards financial freedom. This company uses its relationship with over 200,000 creditors to help people who have $1,500 or more in unsecured debt. It also offers a 100% satisfaction guarantee.

    • Address: Serves Tulsa residents
    • Phone: (866) 497-1639
    • Hours: M - Th: 9am - 8pm; F: 9am - 6pm
    • 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.