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Find the Best Debt Consolidation in Buffalo, NY

Many people in Buffalo feel like they are drowning in debt with nowhere to turn to get relief. Debt consolidation and debt settlement can be a solution. We researched the best debt consolidation in Buffalo to guide you to a better financial future.

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Compare Top Debt Settlement

National Debt Relief
Overall satisfaction rating
  • Minimum $10,000 debt
  • Member of the AFCC (American Fair Credit Council)
  • No fees until debts are settled
  • Available in Buffalo

Get out of debt without bankruptcy!

Visit Website (844) 462-9121 Read More
Freedom Debt Relief
Overall satisfaction rating
  • Minimum $15,000 debt
  • Accredited by the BBB
  • Free consultation online
  • Available in Buffalo

As the largest debt negotiator in the nation, Freedom Debt Relief has resolved over $10 billion in consumer debt. Through their proven debt relief program, they have helped hundreds of thousands of Americans significantly reduce the amount they owe

Visit Website (866) 515-6714 Read More
Overall satisfaction rating
  • Available 24/7
  • Over $1 billion in debt resolved
  • Minimum $10,000 credit card debt required
  • Free Debt Analysis and consultation

CreditAssociates works with clients to provide fast and affordable debt relief. They provide free consultations for a wide-range of debt needs including credit card, medical, personal loans and more.

Visit Website (888) 492-5184 Read More
Accredited Debt Relief
Overall satisfaction rating
  • Track your progress 24/7
  • Minimum $10,000 debt
  • No credit impact
  • Available in Buffalo

From bankruptcy and credit counseling to debt counseling, management, and debt settlement, the experts at Accredited Debt Relief are ready to assist you.

Visit Website (877) 566-8703 Read More
Pacific Debt Relief
  • Calculate your payment online
  • Minimum $10,000 debt
  • One low monthly program payment
  • Available in Buffalo
Visit Website Read More
CountryWide Debt Relief
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • Free consultation
  • Apply online
  • Debt settlement services

With a combined 30 years experience and an A+ rating from the Better Business Bureau, CountryWide Debt Relief has helped thousands of people resolve millions of dollars in debt.

Visit Website (877) 944-9077 Read More

How to choose debt consolidation in Buffalo

Buffalo Skyline

Buffalo residents seeking relief from constant creditor calls or collection letters have several options, including debt consolidation. Debt consolidation can help you turn multiple payments into one payment, lower your interest rates and possibly reduce the amount you owe.

One of the most common forms of debt consolidation in Buffalo is debt settlement. With this process, you’ll make monthly payments into an account set aside solely for debt settlement purposes, and a debt consolidation company will use that account to negotiate with creditors to settle your debts.

Most debt settlement companies in Buffalo prefer clients with an unsecured debt of $10,000 or more. Secured debt is not eligible for debt consolidation.

Secured vs. unsecured debt

Secured debt Unsecured debt
  • Secured loans are tied to collateral that can be seized by the creditor, such as your house or car.
  • Examples of secured debt include auto loans and home mortgages.
  • Unsecured loans are not tied to any collateral.
  • Examples of unsecured debt include medical bills and credit card debt.

Getting started with debt settlement in Buffalo

    There are many things you can do to begin the process even before you speak with a representative.

  • Get organized. Put together a simple spreadsheet or paper list of all your debts using a program such as Google Sheets. A digital spreadsheet allows you to share information with a debt consolidation company and make changes as needed.
  • Ask questions. Makes sure you understand the process and what is expected of you. A reputable debt consolidation company should be able to answer any questions you have.
  • Stay focused. Once you start the process, talk to different debt consolidation companies to find one you’re comfortable using. After signing up for a program, stay organized and see it through to the end.

If you’re ineligible for debt settlement, there are other options you can look into, such as transferring your debt to a credit card with an introduction zero percent interest on balance transfers or taking out a debt consolidation loan.

Finding reputable debt settlement in Buffalo

When comparing companies, watch for companies that may be a scam. Warning signs of a scam include companies that:

  • Demand upfront payment (other than small fees to pull your credit report)
  • Promise they can reduce or eliminate your debt
  • Refuse to send you free information about its services unless you provide personal and financial information

Debt settlement generally takes between two and four years, and although it can initially have a negative impact on your credit score, it may be a better option than bankruptcy.

Debt Consolidation Reviews

National Debt Relief

National Debt Relief offers a number of debt solutions and provides a specialist to work with you. The company is accredited by the Better Business Bureau and has online tools to help you decide if debt settlement is right for you. Customers in Buffalo give the company high marks for its customer service.

National Debt Relief Visit Website (844) 462-9121

Freedom Debt Relief

Freedom Debt Relief has helped eliminate more than $9 billion of debt for its U.S. customers. The company offers flexible payment options and provides a no-risk consultation. Customers in Buffalo say they loved the service and found the staff to be friendly and knowledgeable.

Freedom Debt Relief Visit Website (866) 515-6714


A proprietary electronic debt settlement system combined with expert debt consultants makes Credit Associates an effective choice for debt relief. Reviews say that customer service is helpful and communicates well throughout the process, which lasts between two and three years. You can get a free consult with no obligation by contacting the company.

CreditAssociates Visit Website (888) 492-5184

Accredited Debt Relief

Accredited Debt Relief offers debt negotiation and other programs to Buffalo residents. The company partners with additional service providers to negotiate your debt with creditors and develop a plan that can help you settle your debts. Customers in Buffalo say they appreciate the company’s flexibility on payment amounts.

Accredited Debt Relief Visit Website (877) 566-8703

Pacific Debt Relief

Pacific Debt Inc. offers many different program types to help you create a customized plan. The company has settled more than $200 million in debt for its customers since 2002 and has an A+ rating with the Better Business Bureau. Customers in Buffalo appreciate the clear explanations and say the service is a great value.

Pacific Debt Relief Visit Website

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.

CountryWide Debt Relief Visit Website (877) 944-9077