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Best Debt Consolidation in Kansas City

Updated 5/8/2019

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. Our partners at ConsumerAffairs 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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#1 MOST POPULAR
National Debt Relief
National Debt Relief
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(844) 462-9121
Sponsored Ad Features
  • Specializes in debt settlement
  • Minimum $10,000 credit card debt required
  • Debt consolidation loan alternative
  • No upfront costs or fees
  • Serves Missouri residents only
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#2
CreditAssociates
CreditAssociates
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(888) 492-5184
Sponsored Ad Features
  • Minimum $10,000 credit card debt required
  • Credit not required to get approved
  • Debt consolidation loan alternative
  • Serves Missouri residents only
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#3
Freedom Debt Relief
Freedom Debt Relief
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(866) 515-6714
Sponsored Ad Features
  • Minimum $15,000 credit card debt required
  • Debt settlement negotiations
  • Free, no-risk debt relief consultation
  • Debt consolidation loan alternative
  • Serves Missouri residents only
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#4
Accredited Debt Relief
Accredited Debt Relief
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(877) 566-8703
Sponsored Ad Features
  • Minimum $10,000 credit card debt required
  • Debt consolidation loan alternative
  • No fees until your debts are resolved
  • Debt settlement
  • Serves Missouri residents only
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#5
Debt Rx
Debt Rx
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(240) 297-1297
Sponsored Ad Features
  • Minimum $7,500 credit card debt required
  • Free, no obligation debt analysis
  • Tailored debt solutions for each customer
  • Serves Missouri residents only
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American Equity Mortgage American Equity Mortgage Features
  • Mortgage refinancing
  • Individualized service
  • Online application
  • Located in 7 metro areas
Contact info
6900 College Blvd., Ste. 200
Overland Park, KS 66211
(816) 361-9999
Kansas City Credit Union Kansas City Credit Union Features
  • Native to Kansas City
  • Flexible terms
  • 550+ credit score
  • Other loan types available
Contact info
5110 Ararat Dr.
Kansas City, MO 64129
(816) 861-5700
KC Credit Services KC Credit Services Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • kccreditservices.com
Contact info
2016 Swift St.
North Kansas City, MO 64116
(816) 421-8001
Consolidated Chasses Management Consolidated Chasses Management Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • ccmpool.com
Contact info
5800 Foxridge Dr., Ste. 230
Mission, KS 66202
(913) 384-8904
Missouri Debt Relief Missouri Debt Relief Features
  • Available online 24/7
  • missouridebtrelief.org
Contact info
Online services only
Serves residents in Kansas City, MO/KS
(818) 708-7814
Debt Consolidation Care Debt Consolidation Care Features
  • M-F: 9am - 9pm
  • Sat-Sun: 9am - 6pm
  • debtconsolidationcare.com/missouri
Contact info
Online services only
Available for residents in Kansas City, MO/KS
(800) 332-8913
Credit Guard Credit Guard Features
  • M-Sat: 9am - 5pm
  • Closed Sun
  • creditguard.org/states/missouri/kansas-city/
Contact info
National non-profit credit consumer agency
Services available in Kansas City, MO/KS
(800) 589-1627

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KSHB may receive compensation from our partners. Learn more.

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National Debt Relief

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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.

National Debt Relief

National Debt Relief (844) 462-9121

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National Debt Relief is one of the largest and most reputable debt settlement companies, with over 30,000 reviews and excellent ratings. National Debt Relief is accredited by the BBB, AFCC and IAPDA reviewers in Kansas City say that hiring National Debt Relief helped save them from a bad financial situation.

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CreditAssociates

CreditAssociates (888) 492-5184

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For debt relief solutions, CreditAssociates works to settle debt in 24 to 36 months. Good credit is not required and customers get a free, no obligation consultation by speaking to trained advisors who are experts in negotiating down debt. Customer reviews speak highly of agents for being professional, helpful and communicative.

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Freedom Debt Relief

Freedom Debt Relief (866) 515-6714

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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.

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Accredited Debt Relief

Accredited Debt Relief (877) 566-8703

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Accredited Debt Relief matches consumers with companies in its network to relieve the stress of debt. Accredited is a member of the AFCC and holds an A+ rating by the Better Business Bureau. Combine that with providers having over 20 years of experience and Accredited Debt Relief is an excellent option.

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Debt Rx

Debt Rx (240) 297-1297

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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.

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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 judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.