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Best Debt Consolidation Companies in Tulsa, OK

Updated 10/12/2018

We spent 54 hours researching debt solutions in Tulsa to give you the info you need to take control of your finances. Our research found that the top debt consolidation companies for Tulsans are Accredited Debt Relief, Freedom Debt Relief and National Debt Relief. We looked at upfront fees, consolidation fees and program length to determine which companies are the most popular among Tulsans who are looking for debt relief.

#1 MOST RECOMMENDED
National Debt Relief
National Debt Relief
VISIT WEBSITE
CALL NATIONAL DEBT RELIEF
(844) 462-9121
Features
  • Available in Tulsa
  • Services: Debt settlement, debt consolidation, debt negotiation, bankruptcy
  • No charges until debts are consolidated
  • $7,500 min. debt required
Read More
#2
Accredited Debt Relief
Accredited Debt Relief
VISIT WEBSITE
CALL ACCREDITED DEBT RELIEF
(877) 566-8703
Features
  • Available in Tulsa
  • Services: Bankruptcy, credit counseling, debt consolidation, debt management, debt settlement
  • Fast quotes and customer service
  • $7,500 min. debt required
Read More
#3
Freedom Debt Relief
Freedom Debt Relief
VISIT WEBSITE
CALL FREEDOM DEBT RELIEF
(866) 515-6714
Features
  • Available in Tulsa
  • Services: Customizable debt consolidation plans, debt counseling and debt consolidation
  • You set your own payment schedule
  • $7,500 min. debt required
Read More
Debt Reduction Services Debt Reduction Services Features
  • Available in Tulsa
  • Upfront fees: Enrollment fee + $50 monthly fee
  • Program length: Less than 5 years
  • Helps negotiate with creditors
Contact info
111 S. Darlington Ave., Suite 610
Tulsa, OK 74135
(918) 302-2438
CareOne Debt Relief Services CareOne Debt Relief Services Features
  • Available in Tulsa
  • Upfront fees: Monthly fee dependent on your number of creditors
  • Consolidation fees: About 30% of debt owed
  • Program length: Less than 5 years
Contact info
Online service available
for Tulsa residents, Corporate office located in Columbia, MD
(918) 302-2370
Debt Consolidation Care Debt Consolidation Care Features
  • Available in Tulsa
  • No upfront fees
  • Consolidation fees: About 15% of your total debt
  • Program length: 2-4 years
Contact info
Online service available
for Tulsa residents, Corporate office located in Reno, NV
(918) 302-2326
Christian Credit Counseling Christian Credit Counseling Features
  • Available in Tulsa
  • No upfront fees
  • Program length: Less than 5 years
  • Personalized service
Contact info
6705 E 81st, Suite 152
Tulsa, OK 74133
(918) 302-2399
Debt Relief A La Carte Debt Relief A La Carte Features
  • Available in Tulsa
  • No upfront fees
  • Consolidation fees: About 10-15% of what you save
  • Program length: 2-4 years
Contact info
406 S Boulder, Suite 400
Tulsa, OK 74013
(918) 302-2153
Money Management International Tulsa Money Management International Tulsa Features
  • Available in Tulsa
  • Upfront fees: Up to $50 dollar enrollment fee
  • Program length: 2-4 years
  • 24/7 accessibility
Contact info
7633 E 63rd Place, Suite 300
Tulsa, OK 74133
(918) 302-2162
Reliance 1 Debt Relief Reliance 1 Debt Relief Features
  • Available in Tulsa
  • No upfront fees
  • Consolidation fees: Approx. 20% of your debt
  • Program length: Less than 5 years
Contact info
7136 S Yale, Suite 300
Tulsa, OK 74136
(918) 302-1805

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How we chose the best

We thoroughly researched debt statistics, settlement options and consumer reviews.

54 Hours researched
475 Reviews analyzed
46 Companies evaluated
10 Companies selected
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#1
#1 MOST POPULAR
National Debt Relief

Get a free online quote today

The need for debt relief in Tulsa

tulsa sunset skyline

Over the course of the last decade, credit card debt both locally in Tulsa and nationally at large has been on the rise. As this number grows, more and more Oklahomans find themselves in need of debt relief.

In Tulsa, credit card debt is higher than both the national and state averages. While the average household income in Tulsa is higher than the state, it still falls well below the national average.

Tulsa Oklahoma United States
Average credit card debt $5,616 $4,854 $5,551
Average household income $52,001 $49,176 $57,617
Unemployment rate 4.9% 4.4% 4.1%

For Tulsans, the median household income has not kept pace with the rising cost of living. In just the last year, the average household credit card debt has risen 3 percent. The delinquency rate on this type of debt for the state of Oklahoma is 1.78 percent, which is lower than the national average of 2.53 percent.

Debt from credit cards, medical bills, student loans, mortgages and car payments has caused many Tulsans to face some serious financial dilemmas. Fortunately, debt consolidation companies can help.

How to get out of debt in Tulsa

woman paying bills

Your options for debt consolidation vary from state to state. Luckily, people in Tulsa have several options for finding debt relief. Here are some of the most popular ways Oklahomans get out of debt.

  • Debt consolidation: You can take out a debt consolidation loan to pay off all of your debts. Debt consolidation groups all your loans together in one place to make paying them easier.
  • Debt negotiation: You or a professional acting on your behalf will talk to your creditors and negotiate a lower payment. This method is also called debt settlement.
  • Counseling: You can meet with counselors who help you come up with a budget to help you focus on eliminating your debt.
  • Bankruptcy: Often a last-ditch effort, bankruptcy lets you completely wipe away most of your debts, sometimes liquidating many of your assets in the process.

What are the pros and cons of debt consolidation in Tulsa?

man writing in checkbook

Debt consolidation is one of the easiest options Tulsans can use to eliminate their debt. Essentially, debt consolidation involves taking out one loan to pay your unsecured debts (medical debt, credit card debt and any other debt that isn’t tied to property) and then making payments on that loan. Debt consolidation simplifies your payment plan by condensing many payments into one that fits your budget.

There are plenty of places in Tulsa that can help you develop a debt consolidation program or negotiate a loan with your creditors. They will teach you how to consolidate debt and help you find the best repayment plan. However, there are a few side-effects you need to be aware of if you consolidate debt. Here are some pros and cons of debt consolidation to consider when you’re choosing a company.

Pros Cons
Simplify your payments process Pay more money due to long-term interest
No more calls from creditors Payment plans last 2-5 years
Lower the loan principal amount You need to change spending habits

Debt consolidation vs. bankruptcy

couple receiving debt counseling

Debt consolidation is often a way to avoid bankruptcy. In 2017, there were a total of 2,529 bankruptcy filings in Oklahoma. This statistic includes both chapter 7 and chapter 13 bankruptcy filings. Chapter 7 bankruptcy involves liquidating your assets to pay your debts over the course of 3-6 months. Chapter 13 does not liquidate your assets, but it involves creating a payment plan over the course of 3-5 years.

On the surface it may seem like chapter 13 bankruptcy and debt consolidation are similar. The biggest difference is that under chapter 13, any additional income you gain must go toward your creditor repayment plan. With debt consolidation, you don’t have to pay anything other than your monthly payment. Additionally, bankruptcy will appear on your credit history for 10 years. Debt consolidation will impact your credit score in the short-term by causing it to go down, but exactly how much depends on the amount of debt you’re consolidating as well as the method of consolidation you use.

This is why it’s important to work with a professional debt consolidation company. People in Tulsa with a large amount of debt can contact the following companies and advisors to help them get a better handle on their finances.

National Debt Relief

National Debt Relief (844) 462-9121

Consolidation fees: 15-18% of debt owed

Program length: 24-48 months

National Debt Relief is one of the largest debt settlement and debt consolidation companies in the United States. The team of professionals at National Debt Relief are debt settlement specialists, trained to negotiate your debt to lower payments. Customers in Oklahoma praised National Debt Relief for superior customer service.

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Accredited Debt Relief

Accredited Debt Relief (877) 566-8703

Consolidation fees: 15-25% of debt owed

Program length: 24-48 months

Accredited Debt Relief helps clients simplify their debt payment plans, whether they are buried in debt or they just want to lower their interest rates. They specialize in debt negotiation, and you can supplement most of their debt settlement plans with a debt consolidation loan. Clients in Oklahoma appreciated Accredited Debt Relief’s quick enrollment process.

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Freedom Debt Relief

Freedom Debt Relief (866) 515-6714

Consolidation fees: 15-25% of debt owed

Program length: 24-48 months

Freedom Debt Relief helps you find the right debt settlement program to fit your particular needs. You can set up your own payment plan, choosing how much money you pay and how often. Oklahomans who used Freedom Debt Relief enjoyed setting their own payment plans and mentioned that their debt counselors kept everything transparent.

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Debt Reduction Services

Debt Reduction Services

Services: Debt consolidation, credit counseling

Debt Reduction Services is a nonprofit organization that offers credit counseling, bankruptcy help and debt consolidation. Debt Reduction Services offers several different financial education programs to help people deal with different types of debt, including student loan debt. Clients appreciate the caring and professionalism of the staff.

CareOne Debt Relief Services

CareOne Debt Relief Services

Services: Debt consolidation, bankruptcy, debt settlement plans

CareOne Debt Relief Services has been helping clients work their way out of debt for over 20 years. CareOne’s team knows that there’s no single solution to debt management, and they help find a personalized repayment plan to fix your debt. Clients found that these individual plans helped cater to and fix their particular debt problems.

Debt Consolidation Care

Debt Consolidation Care

Services: Matching clients with the right debt consolidation company, educational resources

Debt Consolidation Care is an online company designed to help you find the right debt settlement company. Debt Consolidation Care is not a consolidation company, but rather a company built to match you with the right debt consolidation service. Clients find that Debt Consolidation Care’s online debt education resources are helpful.

Christian Credit Counseling

Christian Credit Counseling

Services: Credit counseling, debt consolidation, personalized service

Christian Credit Counseling is a nonprofit counseling service that helps clients find a way out of debt. Christian Credit Counseling offers several different educational services, as well as personalized plans to help clients take control of their finances. Tulsans appreciate Christian Credit Counseling’s flexible hours and caring staff.

Debt Relief A La Carte

Debt Relief A La Carte

Services: Debt settlement, debt negotiaion, consolidation loans

Debt Relief A La Carte was started by Jared Strauss, a former collection manager and operations director. Debt Relief A La Carte helps clients find the right debt relief program, whether they need a consolidation loan or a simpler repayment plan. Tulsans like working directly with Strauss to find the right debt settlement solution.

Money Management International Tulsa

Money Management International Tulsa

Services: Financial education resources, debt settlement, debt consolidation, bankruptcy counseling, credit counseling

Money Management International (MMI) is one of the nation’s largest full-service nonprofit debt and credit counseling agencies. MMI provides several different debt management and counseling services, including debt consolidation. Clients liked that they had an easy time accessing advice from professionals.

Reliance 1 Debt Relief

Reliance 1 Debt Relief

Services: Debt consolidation and debt settlement

Reliance 1 Debt Relief uses a method of debt settlement called “bulk settlement.” They settle large amounts of debt at a time to streamline and simplify the debt settlement process. Reliance 1 puts customer service first, and Tulsans mentioned that the staff was quick to respond to any questions they had.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgment or subject matter expert’s judgment. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.