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:
So, did you receive a Panther Funding or Golden Eagle Lending mailer that pre-qualified you for a low interest debt consolidation loan? Did you get denied for the loan, but a Strategic Consulting representative stated that you qualified for Clear Creek Legal's debt consolidation program (similar to this BBB complaint)?
As a refresher, a debt consolidation program is also often known as debt settlement. This is different from a debt consolidation loan, which involves receiving funds in your bank account. If you are searching for a debt consolidation loan, there are three companies that we recommend that only perform a soft credit check and do not charge prepayment penalties. Keep in mind that it may be helpful to compare rates from multiple sources to get the best deal. If you are unable to qualify for a debt consolidation loan, debt settlement may be an option to consider.
Debt settlement involves a third party negotiating and settling your debts on your behalf with the goal of finding a lower payment that will fully satisfy the debt you owe. For example, a debt settlement company may try to settle a $10,000 credit card balance for $5,000, potentially saving you money and lowering your monthly payment. However, it's important to note that debt settlement may not be the best option for everyone as you can be sued while in a debt consolidation program and your credit score may drop.
If you are struggling with debt and cannot get or do not want a personal loan to consolidate it and unsure of what to do next, we have created a free, unbiased debt options comparison calculator that provides a range of options that may fit your budget. The data is personalized to your income and expenses, so you can get accurate costs, pros and cons, and options without even having to provide your email address.
You joined a debt consolidation program, and now you may have been sued for unpaid debt and your credit score may have plummeted. So, what are alternatives to debt consolidation?
We built a free debt consolidation alternatives calculator below that compares cost, duration, and pros and cons of key debt consolidation alternatives.
To help you make an informed decision, let’s look through the Clear Creek Legal Group BBB and Reddit Reviews.
We have 3 debt consolidation loan providers that we vetted, but let’s say that you don’t qualify for any debt consolidation loan.
If you are unable to obtain a debt consolidation loan from Clear Creek Legal LLC, what are your other options? If you are struggling to pay off your debt and have a high debt-to-income ratio, you may want to consider non-profit credit counseling, debt settlement, or debt payoff planning. If you are already experiencing financial hardship, bankruptcy may also be an option to consider.
To help you understand your choices and the associated costs, we have created a free debt options calculator that does not require you to provide your email address. If you would like additional assistance, however, you can opt to leave your email address to receive additional free resources.
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