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Ascend Reviews

5.0/5.0 - 270 Reviews
Synthia DuBose
My family was grappling with the burden of credit card debt. We had explored various avenues, including debt relief companies and consolidation loans, but everything seemed dubious and left us feeling uncertain. That all changed when I came across Ascend and had the opportunity to connect with Justin. He reached out to me on the very same day, and from that point forward, things took a turn for the better.

I provided Justin with an overview of our financial situation, our objectives, and the timeline we hoped to achieve our goals within. He promptly outlined the possible courses of action and presented a thorough breakdown of our various options. What truly stood out was Justin's approach—he never pressured me into making a quick decision. Instead, he offered me the information and allowed me to ask questions at my own pace.

Upon selecting the path we wanted to pursue, Justin facilitated our connection with a non-profit organization. Much to our delight, they exhibited the same level of courtesy, expertise, and patience that Justin had demonstrated. In retrospect, the entire experience instilled a sense of confidence within us. We now believe we have a solid foundation and are well on our way to achieving financial success!
dahveed krisna
Ben and his assistant Jeffrey from Ascend Finance did an awesome job helping me to find an attorney who could talk with me openly and honestly about Chapter 13 as an option for my financial situation. Before finding out about Ascend's bankruptcy calculators, I was stuck on a wheel of countless offers for consolidation loans, but always steered towards debt settlement or debt management plans over and over again due to my credit score and high utilization percentage. Based on data I entered into Ascend's calculator, Ben and Jeffrey reviewed my situation and quickly connected me with a skillful, experienced bankruptcy attorney. I finally feel like I'm on the best path to being debt free; one that will save me a lot more money than any of the debt settlement or debt management programs that other companies and agencies have offered me... THANKS Ben, Jeffrey and Ascend!!
JorJor Binks
These guys are truly a beacon for those of us with too much debt. From the start where I found Ben on the YouTube channel Ascend I have been treated as a real person by real people. Even getting a personal call helping me figure things out. I went through one of the lawyers recommended by Ascend and as of January 2nd I am debt discharged, and already have a great credit card from Mission Lane for $2000. Things are getting back into place and my life feels so much less stressful due to the weight of debt being off my shoulders.

PLEASE give these guys a call if you are even considering any sort of debt relief be it bankruptcy, consolidation, or whatever other types of debt relief are out there. I can’t thank the Ascend team enough. (I was not paid to post this, or told to do this. I am genuinely so thankful to have the help when I needed it most♥️)
Chezera Davids
I was in tears and all by myself. I have always paid my bills, and I was always on time with my payments. Due to a custody battle, I was on my own. I had no way to feed my kids do to a garnishment. Justin reassured me that everything was going to be OK, and that I had options that I was not aware of. I am so grateful for him. He went above and beyond he delivered the most amazing service, I’ve ever had. I will forever be grateful.
Justin, is a Prince among men.
Compassionate, Intelligent, Attentive, and Caring about what someone is going through.
Thank You, Justin!

We Keep the Process Simple

Ascend process: understand, enroll, resolve, freedom

Step 1

Every situation is different. We figure out the best personalized solution for you.

Step 2

Compare your debt relief options. See the payment estimates, pros and cons and analysis.

Step 3

Choose the option that is right for you: DIY, debt settlement, bankruptcy, etc.

Step 4

Once you are debt free, we will do our best to equip you to never let it happen again!

Why Ascend?

Decreasing debt

Take Control of Your Debt

Track all your debt in one place and manage your debt and credit score.
Data compare

Use Data to Compare Your Options

Use our proprietary algorithms using government forms to compare your options.
Personal assistance

Get Free Personalized Assistance

We want to understand your finances and your unique situation. We are here with free assistance.

Make the Most Informed Decision

We provide the payment estimates, pros and cons, analysis and insights to help you an informed decision.

Understand Bankruptcy and Debt Relief Options

One of the most important things you can do is understand the cost, the timeline, the pros and cons and the alternatives of each debt relief option.

Chapter 7 Bankruptcy

A Chapter 7 bankruptcy is the most common consumer bankruptcy filing in the United States. It is more affordable than a Chapter 13 bankruptcy. You can also receive relief from your debt in as little as 120 days. You qualify by being under the income limit for filing Chapter 7 in your state. Our Chapter 7 means test calculator helps you estimate qualification for the Chapter 7 bankruptcy. The calculator is based on the bankruptcy forms.

Chapter 13 Bankruptcy

A Chapter 13 bankruptcy is a monthly payment plan bankruptcy. It is more expensive than a Chapter 7 bankruptcy. The plan often lasts between 3 and 5 years. You can estimate a Chapter 13 payment plan example using our Chapter 13 Calculator. For both Chapter 7 and Chapter 13, you will want to understand the cost to file bankruptcy. If you have filed a Chapter 7 recently, you may also research how to file a Chapter 13 after Chapter 7 bankruptcy.

Debt Settlement

Debt settlement is a monthly payment plan debt relief option. Many people compare debt settlement vs bankruptcy. A debt settlement company will negotiate with your creditors for a lower total owed (Ex: $10,000 to $5,000). Please note that there are pros and cons to debt settlement. For example, you may see a negative credit score impact. Also, you should confirm that the debt settlement company is legitimate. You can read more on debt settlement from the Consumer Financial Protection Bureau.

Debt Management

Debt management is a monthly payment plan debt relief option. Many people compare debt management vs debt settlement. A debt management company will negotiate with your creditors for a lower interest rate (22% to 9%). Please note debt management companies are often non-profits, also referred to as credit counseling agencies.

Debt Payoff Planning

Debt payoff planning is a monthly payment plan option. You often need disposable income to make extra payments based on a debt payoff strategy. Ascend built the Savvy debt payoff planner to help users prioritize their debts in order to help them save $2,000 in interest and get out of debt 6 months faster.