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At the core of our client relationships is one simple factor: trust. We know that fostering trust is vital. And it starts by doing more listening than talking. As effective listeners, we can better identify our clients’ goals and concerns, then connect them with debt consolidation providers that offer solutions tailored to each client’s unique situation.

Our commitment to customer care leads the industry. We do what we say we’re going to do, and always act in our client’s best interest. CrossOffDebt.com is proud to be a respected provider of debt consolidation referral services. We’re committed to maintaining high standards of business practices and customer satisfaction. While we are not a debt consolidation provider ourselves, we carefully vet and partner with reputable providers who are accredited with industry associations and have strong track records of client success. We help individuals and families find the best debt consolidation options to restructure their unsecured debt payments, pay only a fraction of the debt they owe, and become debt-free faster than they ever thought was possible.

Our track record speaks for itself. We help thousands of new clients each month connect with debt consolidation providers to start their path to financial freedom. The providers in our network have collectively helped hundreds of thousands of clients resolve billions in consumer debt. We take tremendous pride in our role as a trusted resource for consumers seeking debt consolidation options.

We deliver results, and we deliver them the right way.

With CrossOffDebt.com’s debt consolidation marketplace, you can fill out a simple, streamlined form, and instantly see which providers you prequalify for and what services they offer. These are personalized, prequalified options based on your debt situation. Checking your prequalified options with CrossOffDebt.com will not affect your credit score. Many other comparison sites will only provide you with generic information about a given debt consolidation provider — the services and information you see will not be specific to you and your debt situation. You might be able to go to a specific provider’s website and see your personalized options, but you’ll only be able to do this for one provider at a time.

Through our network of trusted partners, we can connect clients with a wide range of debt consolidation options including debt settlement, consolidation loans, credit counseling services, bankruptcy referrals, and more. Our team will review your unique situation and suggest providers that offer solutions based on your circumstances, location, and goals.

The specifics of how debt consolidation works will vary depending on the type of program and provider you choose. In general, debt consolidation programs aim to help you get out of debt faster and for less than you would by continuing to make minimum payments on your own.

For example, with debt settlement, rather than paying your creditors directly, you typically make monthly deposits into a dedicated savings account. As funds build up, the debt consolidation company will negotiate with your creditors to try to agree on reduced settlement amounts to resolve the debts. Once a settlement is reached, the funds you’ve saved are used to pay the creditor the lower, agreed-upon amount. The goal is to settle your debts for significantly less than you originally owed.

Through our network of trusted partners, CrossOffDebt.com can connect you with debt consolidation providers who offer solutions for those overburdened with unsecured debt, including credit cards, personal loans, and medical bills.

Depending on your unique financial situation, you may qualify for a debt consolidation loan or debt resolution services. Debt resolution programs can lower your monthly debt payments, reduce the total amount of debt you owe, and eliminate thousands of dollars worth of long-term interest fees.

Some of our partners also offer the opportunity to qualify for a consolidation loan after successfully completing a portion of a debt resolution program, allowing you to pay off your creditors and improve your credit score.

When it comes to debt consolidation, you have several options available to you.

Each solution comes with its own pros and cons, along with different short-term and long-term consequences that vary for every individual or family seeking debt consolidation.

At CrossOffDebt.com, our online questionnaire and debt consolidation experts can provide you with a free debt assessment and answer your questions about which debt consolidation solution can best fit your needs and your budget.

The cost of debt consolidation will depend on the specific program and provider you choose. Some providers charge a percentage of your enrolled debt as a fee for their service. However, this fee is typically only assessed on debts that are successfully settled or resolved.

In a debt settlement program, for example, while you will pay a fee that is calculated based on a percentage of your debt, you may still be able to save a significant amount compared to your original balances and the interest you would accrue by continuing minimum payments on your own.

Providers should transparently explain their fee structure during your free consultation so you understand all costs involved before enrolling. Keep in mind that with successful debt consolidation, your total cost and monthly payments should be lower than what it would cost you to pay off your debts on your own over time.

Working with a debt consolidation provider in our network, you may be able to save thousands of dollars (or more) in three key ways:

1. Lower monthly payments
2. Reduction of your total debt owed
3. Elimination of long-term interest fees

Debt consolidation programs not only save you money on interest and principal, and allow you to make one, low monthly payment, but they also help you get out of high-interest debt much faster than continuing to make minimum payments on your own. See if you are eligible here.