Credit Card Debt Consolidation

How our program helps:

  • Cut your monthly payments in half
  • Reduce your total debt by up to 50%
  • Be debt free in as little as 12 to 48 months

Select Your Debt Amount:

$1,000

$100,000+



What is Credit Card Debt Relief?

Credit card debt can be especially tricky to overcome. The perks of cash back rewards, credit card miles and one-time bonuses quickly diminish when you’re facing high interest rates and struggling to make minimum monthly payments. You may have even experienced the pain that comes with having to choose between covering the essentials and paying a credit card bill on time.

Fortunately, there are a few debt relief strategies you can use to overcome your credit card debt. One of the most effective approaches in particular is debt settlement, which involves working with a team of specialists who reach new terms and agreements with your creditors on your behalf. This often results in lower monthly payments and a reduction of your overall debt. Debt settlement can also reduce the time it would take for you to overcome your debt than if you were to handle it all on your own.


When debt prevents you from accessing your basic needs, it’s time to get help.

After her husband's accident and periods of time without work, Amy found herself in a serious debt. Accredited Debt Relief helped her overcome more than $52,000 in credit card and medical debt.


Paying off Credit Card Debt

Credit cards can be great financial tools when used properly. With the simple swipe or insert of your card, you can borrow money to cover purchases instantly with the agreement that you’ll pay the money back later. Unfortunately, credit cards are also incredibly easy to misuse. Not keeping track of your purchases now could result in enormous credit card balances in the future.

If you've found yourself dealing with more credit card debt than you can handle, you may consider reorganizing your debts through a form of credit card consolidation. Although this strategy can help combine your debts into a simpler monthly payment, each consolidation method comes with consequences and considerations that should be kept in mind.


You May Need to Consolidate Your Credit Cards If...

Your Payments are Too High

You're paying too much interest or are stuck making only minimum payments

Your Accounts are Maxed Out or in Collections

One or more of your credit cards are maxed out or your credit utilization is over 40%

You Have Missed Payments

You miss payments or you can’t afford both your monthly payments and basic needs

Your Money Stress is Affecting Your Health

Your debt is worsening your quality of life, physically or mentally


How to Consolidate Credit Card Debt

You can reorganize your debt by consolidating your outstanding credit card balances into one debt obligation. This can be accomplished in a few ways:

  • Transferring existing balances to a new credit card
  • Taking out a personal loan to pay off card balances
  • Working with a debt relief company to consolidate and reduce your monthly payments

Consolidating your credit card debt can help you focus on one monthly payment rather than juggling multiple accounts and due dates. Depending on the consolidation method you choose, you may also be able to secure lower interest rates or reduce your overall debt. Debt relief companies, for example, reach new terms and agreements with your creditors, allowing you to pay off your debt for less than what you originally owed.


Learn More About Consolidating Credit Cards

The amount you’ll be able to consolidate will depend on which consolidation method you choose and your current creditworthiness. For example, a debt settlement program is usually best for people who have $10,000 or more unsecured credit card debt.

Yes! Results are not guaranteed, but most people save significantly more when they consolidate their credit card debt. Contact a Certified Debt Specialist at Accredited Debt Relief to find out how much you could save.

Depending on the consolidation method you choose, your credit score could temporarily be affected. For example, if you get a consolidation loan, your lender may conduct a hard inquiry which could result in your score lowering temporarily. Additionally, if you pause payments as part of a debt relief strategy, your score could also drop temporarily. However, your credit can improve if you practice good borrowing habits after your consolidation.

Fortunately, credit scores can recover over time. If you make consistent monthly payments, pay more than your minimum, reduce your credit utilization and avoid putting future purchases on credit cards, your credit score will likely improve.


Accredited Debt Relief: The Best Way to Pay Off Debt

Accredited Debt Relief has helped customers across the country consolidate and resolve their debts. With an A+ BBB rating, we offer customized financial solutions that can help you pay off your debt obligations quicker. Our experienced team can help lower your monthly payments and reduce what you owe overall. To learn more and receive a free, no obligation consultation, contact us today.


Proven Results From Real Clients

Carl F.

Enrolled Debt: $43,922

Final Debt: $21,403

Savings: $22,879*

Enrolled: 2/10/2020

Graduated: 8/31/2021

Kelli M.

Enrolled Debt: $21,974

Final Debt: $12,797

Savings: $9,176*

Enrolled: 3/22/2020

Graduated: 10/21/2021

Ashley S.

Enrolled Debt: $24,954

Final Debt: $10,634

Savings: $14,320*

Enrolled: 1/1/2020

Graduated: 10/28/2021

* These examples do not include program fees. This is small sample of debt settlements our negotiation team has achieved for our clients. These settlements were obtained for clients who successfully met all of their program terms and received settlement offers. Results may vary, and there are no guarantees that all creditors will agree to settle. These examples are not representative of results in all cases.


Learn More About Consolidating Your Credit Cards

5 Mistakes to Avoid When Consolidating Credit Card Debt

If you are considering debt consolidation for your credit cards, make sure you avoid these mistakes.

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Pros and Cons of a Credit Card Balance Transfer

Considering all the pros and cons of a credit card balance transfer will help you make an informed decision about this option.

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What To Do When You Max Out Your Credit Card

The important thing is to understand the consequences and find out what you can do to get the debt under control.

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