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Best Debt Consolidation in Indianapolis, IN

Sept. 12, 2019, 6:58 p.m.

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

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. RTV6 may receive compensation from our partners. Learn more.

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#1
MOST POPULAR
National Debt Relief

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VISIT WEBSITE
CALL FOR QUOTES
(844) 462-9121
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#1 MOST POPULAR
National Debt Relief
National Debt Relief
Features
  • Minimum $10,000 credit card debt required
  • No upfront costs or fees
  • Debt settlement
  • Debt consolidation loan alternative
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VISIT WEBSITE
CALL FOR QUOTES
(844) 462-9121
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#2
CreditAssociates
CreditAssociates
Features
  • Minimum $10,000 credit card debt required
  • Free Debt Analysis and consultation
  • Collateral not required
  • Debt consolidation loan alternative
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VISIT WEBSITE
CALL FOR QUOTES
(888) 492-5184
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#3
Accredited Debt Relief
Accredited Debt Relief
Features
  • Debt consolidation loan alternative
  • Minimum $10,000 credit card debt required
  • No fees until your debts are resolved
  • Eliminate multiple creditors
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#4
Freedom Debt Relief
Freedom Debt Relief
Features
  • Debt consolidation loan alternative
  • Free, no-risk debt relief consultation
  • Minimum $15,000 credit card debt required
  • Debt settlement
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#5
Pacific Debt
Pacific Debt
Features
  • Minimum $10,000 credit card debt required
  • Free consultation with certified debt counselor
  • No fees until you get results
  • Debt consolidation loan alternative
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#6
Debt Rx
Debt Rx
Features
  • Minimum $7,500 credit card debt required
  • Free, no obligation debt analysis
  • Tailored debt solutions for each customer
  • Services offered in Spanish
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CountryWide Debt Relief
CountryWide Debt Relief
Features
  • Bad credit OK
  • Debt consolidation loan alternative
  • Minimum $10,000 credit card debt required
  • Debt settlement
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#8
MyStar Credit Counseling
MyStar Credit Counseling
Features
  • Debt management plans
  • Consolidation services
  • Assisted plan management
  • Credit counseling
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Location
7440 Shadeland Ave., Ste. 205
Indianapolis, IN 46250
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#9
Royal United Mortgage
Royal United Mortgage
Features
  • Online loan calculator
  • Home refinancing
  • Veteran affair loans
  • Home equity loans
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Location
7999 Knue Rd., Ste. 300
Indianapolis, IN 46250
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The Home Loan Expert
The Home Loan Expert
Features
  • 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
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The Law Office of Travis Van Winkle
The Law Office of Travis Van Winkle
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • vanwinklelegal.com/debt-settlement-negotiations
Location
101 W. Ohio Ste. 2000
Indianapolis, IN 46204
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Perez & Perez
Perez & Perez
Features
  • 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
Get matched today
DebtConsoidationCare
DebtConsoidationCare
Features
  • M-Sun: 9am - 6pm
  • debtconsolidationcare.com/indiana
Location
Online services only
Indianapolis, IN
Get matched today
CareOne Debt Relief Services
CareOne Debt Relief Services
Features
  • M-Th: 9am - 8pm
  • F: 9am - 6pm
  • Closed Sat and Sun
  • careonecredit.com/debt-consolidation/indiana
Location
Online services only
Indianapolis, IN
Get matched today
Debt Reduction Services
Debt Reduction Services
Features
  • M-F: 9am - 8pm
  • Closed Sat and Sun
  • debtreductionservices.org/debt-consolidation/indianapolis-indiana
Location
Services available in
Indianapolis, IN
Get matched today

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.

National Debt Relief

National Debt Relief

CALL FOR QUOTES

(844) 462-9121 VISIT 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

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CreditAssociates

CreditAssociates

CALL FOR QUOTES

(888) 492-5184 VISIT 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.

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Accredited Debt Relief

Accredited Debt Relief VISIT 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 accredited 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.

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Freedom Debt Relief

Freedom Debt Relief VISIT 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.

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Pacific Debt

Pacific Debt VISIT 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.

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Debt Rx

Debt Rx VISIT 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.

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CountryWide Debt Relief

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.

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MyStar Credit Counseling

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.

Royal United Mortgage

Royal United Mortgage

In addition to home equity loans, Royal United Mortgage offers debt consolidation services. It’s a national company based in Indianapolis, so you can go to a physical building and get personalized advice. If you are looking for a home loan (or to combine your mortgage lender with your consolidation company), Royal United Mortgage is your solution.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.