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Find the Best Debt Consolidation in Kansas City

The average American household has $15,983 in credit card debt alone. Add mortgage, car and student loans, and debt consolidation can be a great choice to get relief on repayment.We looked at the best debt consolidation in Kansas City from national companies backed by large accreditation firms and local options that give KC residents personalized service during hard times.

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Compare Top Debt Consolidation Loan Companies

#1 OUR FAVORITE
Freedom Debt Relief
Overall satisfaction rating
  • Minimum $15,000 credit card debt required
  • Debt settlement negotiations
  • Free, no-risk debt relief consultation
  • Debt consolidation loan alternative

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Learn More (866) 515-6714 Read More
#2
Consolidated Credit Solutions
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • Reduce total payments by 30-50%
  • Credit counseling
  • Over $7.8 million in debt consolidated

Consolidated Credit has been in business for over 20 years and helped over 5 million people eliminate their debt. It takes pride in helping consumers get out of debt through comprehensive credit counseling services and debt management programs.

Learn More (844) 342-2783 Read More
#3
Debt Rx
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • Free, no obligation debt analysis
  • Tailored debt solutions for each customer
  • Serves Missouri residents only

Debt Rx is one of the longest operating Debt Settlement and Debt Negotiation firms in America. Their team of debt negotiators has settled millions of dollars of unsecured debt

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American Equity Mortgage
Overall satisfaction rating
  • Mortgage refinancing
  • Individualized service
  • Online application
  • Located in 7 metro areas

American Equity is an annuity provider that sells multiple types of annuities in all 50 states and the District of Columbia. They are a publically-traded company that is American-owned and operated.

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Kansas City Credit Union
  • Native to Kansas City
  • Flexible terms
  • 550+ credit score
  • Other loan types available
Location
5110 Ararat Dr.
Kansas City, MO 64129
(816) 861-5700
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KC Credit Services
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • kccreditservices.com
Location
2016 Swift St.
North Kansas City, MO 64116
Consolidated Chasses Management
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • ccmpool.com
Location
5800 Foxridge Dr., Ste. 230
Mission, KS 66202
Missouri Debt Relief
  • Available online 24/7
  • missouridebtrelief.org
Location
Online services only
Serves residents in Kansas City, MO/KS
Debt Consolidation Care
  • M-F: 9am - 9pm
  • Sat-Sun: 9am - 6pm
  • debtconsolidationcare.com/missouri
Location
Online services only
Available for residents in Kansas City, MO/KS
Credit Guard
  • M-Sat: 9am - 5pm
  • Closed Sun
  • creditguard.org/states/missouri/kansas-city/
Location
National non-profit credit consumer agency
Services available in Kansas City, MO/KS

How to consolidate debt in Kansas City

kc debt consolidation skyline

Debt consolidation loans roll multiple debts into one fixed monthly payment. Many debt consolidation companies promise a lower interest rate and payment, leading to a simplified relief plan. This does not change the overall cost of the loans, it just extends the period to pay them off.

Debt relief programs get the most consumer complaints with the FCC due to false promises and illegitimate practices. To avoid being a victim, here are a few things to look for:

Debt consolidation can be ideal for those facing bankruptcy who need to pay back creditors. But, by extending the payment period, you will end up paying more in interest, and for a much longer period of time, than before consolidation.

Household debt varies by state. We break down the average debt and income in Kansas and Missouri:

Avg. total debt Avg. mortgage debt Avg. non-mortgage debt Avg. income
KS $45,236 $30,389 $14,497 $67,591
MO $47,214 $31,641 $15,573 $62,196

Kansas City residents with student loan debt

Graduates from University of Missouri-Kansas City, located near the Plaza, on average had $25,912 in student loan debt in 2016. More than 60 percent of 2016 graduates had debt upon graduation, which when paired with other loans can add up quickly. Rockhurst, a private university a few blocks away, has a 78 percent graduation loan debt rate, with an average debt per borrower at $23,753.

Living with credit card debt in Kansas City

Kansas and Missouri rank 33rd and 41st respectively for states with the highest average credit card debt. Those most affected by credit card debt are between 45 and 54 years old, with a national average of $9,096. The highest income bracket ($160,000+) also has the highest average debt.

Medical debt in Kansas City

Kansas City residents may find themselves in medical debt due to the states’ stringent Medicaid rules. Wyandotte County, which encompasses most of Kansas City, Kansas, has the highest rates of medical debt in the metro area at 31 percent of residents. In Jackson County, which encompasses most of Kansas City, Missouri, 29 percent have medical debt in collections.

When faced with mounting bills, debt consolidation with a reputable company can help ease the burden.

Kansas City Debt Consolidation Reviews

Freedom Debt Relief

Since 2002, Freedom Debt Relief has resolved over $8 billion in debt for customers, and it averages resolving 43,891 accounts per month. As a founding member of the AFCC, Freedom Debt Relief supports legislation that promises more transparency and regulations in the industry—and they put this belief into practice.

Freedom Debt Relief Learn More (866) 515-6714

Consolidated Credit Solutions

Consolidated Credit Solutions has helped clients consolidate over $7.8 billion so far, and it claims it can reduce total credit card payments by 30% - 50%. This company’s certified debt management professionals use a 3-step process to help clients. Reviews from clients in Kansas City are positive and include comments about Consolidated Credit’s excellent customer service and solid results.

Consolidated Credit Solutions Learn More (844) 342-2783

Debt Rx

Debt Rx is an experienced debt settlement company. They work with people having $7,500 or more in credit card debt. The company prides itself on being smaller than its competitors to better focus on personal service to find individual solutions for debt relief. For those behind on payments, Debt Rx may be the right prescription to ease the pain of being in debt.

Debt Rx

American Equity Mortgage

American Equity Mortgage helps residents in and around KC “Get To A Better Place” with personalized loan programs and service. Kansas City reviewers say that American Equity Mortgage provided excellent customer care and gave them financial freedom when they needed it most.

American Equity Mortgage Learn More

Kansas City Credit Union

As a trusted name in finance, Kansas City Credit Union supports customers with a variety of services since 1940. They offer debt consolidation with flexible terms for those in Jackson or Clay County, Missouri. As a non-profit cooperative, Kansas City Credit Union is dedicated to helping you—not its bottom line.

Kansas City Credit Union