Advertiser's Disclosure

How the Site Works: Ascend's mission is to take the pain out of personal finance for everyone. Not everyone who comes to our site is currently best fit for the Ascend product, so we spend a great deal of time and effort finding partners that we hope will be beneficial to you.

How We Make Money: Our partners sometimes compensate us in the way of advertising. Some partners we recommend pay us referral fees for sending them new customers. If you click through an application link on our site and end up receiving the service, we may receive compensation when your application is approved, and you move forward with this product. Each partner is vetted based on the following criteria:

  1. We prioritize lower interest rate providers.
  2. We prioritize those who do not penalize checking your rate or have prepayment penalties.
  3. We prioritize those that are customer experience focused. We measure this by the reviews on more unbiased review sites.

3 Top Debt Consolidation Companies

Please note the affiliate links below may help support Ascend.

Updated: 11/20/2025

I have the 3-question form below to find 3 top debt consolidation companies that serve your area, but I'd prefer to speak with you about all your options. Debt consolidation may be best, but there are many options you may have, and the wrong choice could mean you get sued a debt collection lawsuit, get your wages garnished, etc. So, here are two options:

1) 3 top debt consolidation firms

Some firms do not operate in certain states or charge fees based on the amount of debt. The calculator below provides companies and a quick estimate.


2) How Do You Choose the Best Debt Settlement Company?

Not all debt settlement companies are created equal nor are the reviews themselves. Here's some attributes to consider when reviewing a debt settlement company.

1. Look at reviews from more unbiased sources. These could be BBB, Google or Yelp.
2. I may not put as much value in BBB accreditation as I do in BBB complaints. After all, a company may have to pay for the BBB accreditation.
3. Sure, you can save money with debt settlement, but does the company talk about the cons (lawsuit likelihood, tax consequences, etc.)?
4. Is the debt settlement HONEST about the fees they charge? I often dislike this answer, "the fees are included in the plan". Well, what's the percentage?
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