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Find the Best Debt Consolidation in Indianapolis, IN

If you are struggling to repay multiple loans with high interest rates, debt consolidation is a possible option. We researched the best debt consolidation in Indianapolis based on trustworthy companies that have the best reviews.

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Compare Top Debt Consolidation Loan Companies

National Debt Relief
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • No upfront costs or fees
  • Debt settlement
  • Debt consolidation loan alternative

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Learn More (844) 462-9121 Read More
Freedom Debt Relief
Overall satisfaction rating
  • Debt consolidation loan alternative
  • Free, no-risk debt relief consultation
  • Minimum $15,000 credit card debt required
  • Debt settlement

Specializes in debt settlement services. Debt can be settled in 24 to 48 months, and fees range from 15% to 25%. $7,500 minimum debt required. Track progress 24/7 via online dashboard. No-risk debt relief consultation offered.

Learn More (866) 515-6714 Read More
CreditAssociates
  • Minimum $10,000 credit card debt required
  • Free Debt Analysis and consultation
  • Collateral not required
  • Debt consolidation loan alternative

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
  • Debt consolidation loan alternative
  • Minimum $10,000 credit card debt required
  • No fees until your debts are resolved
  • Eliminate multiple creditors

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
CountryWide Debt Relief
  • Bad credit OK
  • Debt consolidation loan alternative
  • Minimum $10,000 credit card debt required
  • Debt settlement

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
Pacific Debt
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • Free consultation with certified debt counselor
  • No fees until you get results
  • Debt consolidation loan alternative

$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 (866) 788-6836 Read More
Debt Rx
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • Free, no obligation debt analysis
  • Tailored debt solutions for each customer
  • Services offered in Spanish

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.

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MyStar Credit Counseling
  • Debt management plans
  • Consolidation services
  • Assisted plan management
  • Credit counseling
Location
7440 Shadeland Ave., Ste. 205
Indianapolis, IN 46250
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The Home Loan Expert
  • M-Sat: 7am - 7pm
  • Closed Sun
  • thehomeloanexpert.com/indianapolis-mortgage-company/debt-consolidation-loans-indianapolis
Location
3815 River Crossing Pkwy., Ste. 100
Indianapolis, IN 46240
The Law Office of Travis Van Winkle
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • vanwinklelegal.com/debt-settlement-negotiations
Location
101 W. Ohio Ste. 2000
Indianapolis, IN 46204
Perez & Perez
  • M-F: 9am - 8pm
  • Closed Sat and Sun
  • perezlawindiana.com/filing-bankruptcy-alternatives-indianapolis-indiana
Location
151 N. Delaware St., Ste. 1460A
Indianapolis, IN 46204
DebtConsoidationCare
  • M-Sun: 9am - 6pm
  • debtconsolidationcare.com/indiana
Location
Online services only
Indianapolis, IN
CareOne Debt Relief Services
  • M-Th: 9am - 8pm
  • F: 9am - 6pm
  • Closed Sat and Sun
  • careonecredit.com/debt-consolidation/indiana
Location
Online services only
Indianapolis, IN
Debt Reduction Services
  • M-F: 9am - 8pm
  • Closed Sat and Sun
  • debtreductionservices.org/debt-consolidation/indianapolis-indiana
Location
Services available in
Indianapolis, IN

How to choose debt consolidation in Indianapolis

Indy skyline

Indiana is one of seven states where an individual’s average debt is over $100,000. The national average is about $63,000. This includes loans, mortgages and medical bills—the biggest sources of debt for most people. In Indianapolis, the average debt per person was $49,000.

So how can a Hoosier get out of debt, especially when the average in the state is so high?

A debt consolidation loan is an option when your debt is not more than 50 percent of your income and you can make monthly payments on that debt. For people with manageable debt and a good credit rating, it’s possible to combine multiple loans, and then pay on a single balance at a lower interest rate.

Debt consolidation is a way to combine your unsecured debts into one simple payment instead of making multiple monthly payments to different creditors on different dates. Consolidating your debt can be a way to repay your loans and avoid bankruptcy, which is the absolute last resort.

Beware, like any financial service, it is important to do research and make sure you are working with a reputable company that will help you and not do more harm. Use our list of the best debt consolidation and settlement companies in Indianapolis to find a solution that’s right for you.

Indianapolis Debt Consolidation Reviews

National Debt Relief

National Debt Relief is a trusted name in credit card debt settlement. With a source of income, you can quickly qualify and pay no upfront fees until your debt is settled. National Debt Relief can reduce debt up to 49 percent through transparent, helpful customer service, which earns them excellent reviews

National Debt Relief Learn More (844) 462-9121

Freedom Debt Relief

The goal of Freedom Debt Relief is to resolve your debt for much less than you owe, as quickly as possible. The process starts with a personal phone call with a certified debt consultant who reviews your options, then can set up a customized plan with payments you are comfortable with. Clients can then view their progress 24/7 through the online dashboard.

Freedom Debt Relief Learn More (866) 515-6714

CreditAssociates

For debt relief solutions, CreditAssociates works to settle debt in 24 to 36 months. Good credit is not required and customers get a free, no obligation consultation by speaking to trained advisors who are experts in negotiating down debt. Customer reviews speak highly of agents for being professional, helpful and communicative.

CreditAssociates Learn More (888) 492-5184

Accredited Debt Relief

Accredited Debt Relief uses proven negotiators to work with top debt relief companies across the country, helping customers settle their debts for less than what they owe. The company is an authorized member of the American Fair Credit Council and gives back to community charities monthly. Customers often give Accredited Debt Relief five star reviews, noting their professional, personalized service.

Accredited Debt Relief Learn More (877) 566-8703

CountryWide Debt Relief

At CountryWide Debt Relief, approval of a debt consolidation option is guaranteed and you can see what you qualify for in a matter of minutes. A variety of plans try to get customers debt-free in just a year or two. Case studies on their website show how debt consolidation plans have worked for others.

CountryWide Debt Relief Learn More (877) 944-9077

Pacific Debt

With certified debt counselors to guide your debt settlement every step of the way, Pacific Debt charges no upfront fees until you get results. The company has helped settle more than $200 million in debt for clients. Reviews speak highly of having access to a personal account manager who can help set up an affordable payment plan.

Pacific Debt Learn More (866) 788-6836

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

MyStar Credit Counseling

MyStar Credit Counseling is located on the northwest side of Indy. They provide personalized plans based on the information you provide. With services that cover all types of debt, MyStar Credit Counseling is a local business that addresses credit card, auto and medical debts.

MyStar Credit Counseling