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Find the Best Debt Consolidation in Boise, ID

Boiseans, like many Americans, struggle with debt, whether it’s owed to credit cards or auto or school loans. Debt consolidation can help simplify multiple loans into one monthly payment, often at lower interest. We researched the best debt consolidation in Boise for those considering this strategy to reorganize their finances.

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Compare Top Debt Settlement

National Debt Relief
Overall satisfaction rating
  • Available in Boise
  • Debt consolidation loan alternative
  • Minimum $10,000 credit card debt required
  • No fees until debts are settled

Get out of debt without bankruptcy!

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Freedom Debt Relief
Overall satisfaction rating
  • Available in Boise
  • Debt consolidation loan alternative
  • Track your progress 24/7
  • Minimum $15,000 credit card debt required

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.

 Learn More (866) 515-6714 Read More
CreditAssociates
  • Available in Boise
  • Free, no-obligation consultation
  • Free Debt Analysis and consultation
  • Minimum $10,000 debt required

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.

 Learn More (888) 492-5184 Read More
Accredited Debt Relief
Overall satisfaction rating
  • Available in Boise
  • Minimum $10,000 credit card debt required
  • Debt consolidation loan alternative
  • No fees until your debts are resolved

Best for clients with $10,000 or more in unsecured debt. Says it could reduce your debt by up to 40%. Over $3 billion in client debt paid off. Your quote is 100% free and will not affect your credit score.

 Learn More (877) 566-8703 Read More
Pacific Debt Inc.
Overall satisfaction rating
  • Available in Boise
  • Debt consolidation loan alternative
  • Minimum $10,000 credit card debt required
  • Free consultation with certified debt counselor

$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.

 Learn More (619) 492-9990 Read More
CountryWide Debt Relief
  • Available in Boise
  • Get approved in minutes
  • 30+ years of combined experience
  • Minimum $10,001 debt required

Offers options for debt relief, including debt consolidation programs, debt settlement and credit counseling. Helps people facing financial hardships or bankruptcy. Not a direct lender. Recommends a minimum debt of $10,000.

 Learn More (877) 944-9077 Read More
Debt Rx
Overall satisfaction rating
  • Tailored debt solutions for each customer
  • Free, no obligation debt analysis
  • Minimum $10,000 credit card debt required
  • Available in Boise

Get personalized service and attention when you’re seeking debt relief. Find out more about your debt relief options with a free confidential consultation, and use its debt calculator to see how much you can save.

 Learn More (989) 315-8789 Read More

How to choose debt consolidation in Boise

Boise skyline

The Boise metropolitan area is on the higher end of cities in terms of household debt-to-income ratio, an indication that Boiseans are having difficulty managing repayments of loans. The debt-to-income ratio is an important metric lenders use to measure your ability to pay back loans with your current income. Idaho as a state ranks among the worst in the U.S., according to the Federal Reserve.

Debt consolidation companies in Boise can help individuals get a better handle on their various debts. These companies can help pave a path toward a healthier financial position and aid those who want an option less severe than filing bankruptcy.

Consider the following benefits of debt consolidation, but remember it is not for everyone.

Benefits:

  • Rather than having to make multiple monthly payments to various creditors, you will only make a single payment.
  • Interest rates will be considerably less, possibly lowering your monthly payment.
  • You may be able to meet with credit counselors and use other financial resources.
  • You will likely avoid credit damage that comes with missed payments and defaults.

Remember:

  • Even though you have consolidated your debt, you will be required to pay it back in full.
  • Expect the process of repaying your consolidated loan to take a long period of time.

Compared to bankruptcy, debt consolidation in Boise is by far the more preferable option. Unless you have too much debt and not enough income to be approved by a debt consolidation company, bankruptcy should be a last resort. Bankruptcy will leave a negative mark on your credit report for up to 10 years and make it difficult for you to get credit in the future.

Debt Consolidation Reviews

National Debt Relief

National Debt Relief, in business for over 10 years, is a nationwide company focusing on not just debt reduction but also educational resources for customers to help them live as debt-free as possible. Customers work with teams of representatives. Reviews mention National Debt Relief’s knowledgeable customer service staff.

 National Debt Relief Learn More

Freedom Debt Relief

Freedom Debt Relief helps Boise residents in debt by taking what they owe and reducing it or consolidating their accumulated debt into one simple payment. Customers have access to a client dashboard online that provides easy account access to check progress, and they can ask questions of Freedom Debt Relief’s helpful customer service.

 Freedom Debt Relief Learn More (866) 515-6714

CreditAssociates

Credit Associates is based in Texas and available by telephone or online for Boise clients. The company assigns you a team of experts that will begin working on your case immediately. Boise Customers say they experienced excellent service working with the company.

 CreditAssociates Learn More (888) 492-5184

Accredited Debt Relief

With certified debt counselors readily available to discuss debt relief options, Accredited Debt Relief is a reliable company that personalizes solutions, including debt consolidation, for customers. Their website offers useful tools like a debt calculator that shows a standard credit card payment versus a monthly payment through Accredited Debt Relief’s program.

 Accredited Debt Relief Learn More (877) 566-8703

Pacific Debt Inc.

Pacific Debt Inc has helped thousands of people settle a total of over $200 million in debt since 2002. The company prides itself on individual service, assigning each customer a personal account manager. Customers are praising the easy and transparent customer service, calling them “easy” and “up-front” with clients.

 Pacific Debt Inc. Learn More (619) 492-9990

CountryWide Debt Relief

CountryWideDebt Relief guarantees qualification for clients who have at least $10,000 in debt and can make $250 monthly payments. A California-based company, services are available to Boise residents online or by phone. Customers in Idaho say they encountered responsive and kind service representatives and report results that met or exceeded expectations.

 CountryWide Debt Relief Learn More (877) 944-9077

Debt Rx

Debt Rx is an experienced debt settlement company. They work with people having $7,500 or more in credit card debt. The company prides itself on being smaller than its competitors to better focus on personal service to find individual solutions for debt relief. For those behind on payments, Debt Rx may be the right prescription to ease the pain of being in debt.

 Debt Rx Learn More (989) 315-8789