Iowa Debt Relief — Resolved Over $100-Million Dollars in Debt!

If you live in Iowa and need your monthly payments reduced, or just want to get out of debt faster — You can start by getting your free consultation at Golden Financial Services, Iowa’s Premier Debt Relief, Consolidation, and Negotiation Company.

Call 1-866-376-9846, and we will analyze your current financial situation and then customize a plan tailored to your hardship situation.

Benefits that Iowa consumers may receive after getting approved for this debt relief program include:

  • Your balances can be reduced on credit card debt, medical bills, personal loans and any unsecured debt
  • You can pay zero dollars in interest
  • Student loans can be consolidated and a portion of the balances forgiven
  • One low and comfortable monthly payment each month to take care of all your debt
  • You can become debt-free in one, two or three years
  • Free credit repair included on certain plans
Iowa (IA) debt relief, settlement and consolidation

Iowa (IA) debt relief and consolidation services are at your fingertips, call 1-866-376-9846 now.

Before diving into Iowa debt relief programs that can quickly get rid of your debt, let’s first take a look at statistics.

Iowa (IA) Debt and Financial Statistics

— Rated the 9th best state in the nation for its “Financial Health.”

— The state of Iowa owns more than it owes.

— The average credit card debt for an Iowa household is only $4,734.

Iowa is the state with the least credit card debt in the nation. The average credit card debt per household in Iowa is close to 50% less than the rest of the nation.

—  The average student loan debt per student in Iowa is $29,732, which is actually on the higher side compared to all of the other states. What we can take from this statistic, is that consumers in Iowa are more educated — which explains why they have the least credit card debt in the nation — due to folks having better education, also resulting in better paying jobs.

What do most Iowa consumers do for Debt Relief?

Iowa debt relief, consolidation and settlement programs are available that include credit card debt negotiation, debt relief & consolidation services.

These are the preferred debt relief options that Iowa residents turn to.

About Golden Financial Services' Iowa Debt Relief Options: Golden Financial Services is IAPDA and AFSLR certified and accredited

You can get a Free Professional Consultation from a Certified and Accredited Debt Relief Counselor at Golden Financial Services.

Let us help you to be amongst the other people living in Iowa who we’ve helped to become debt free! Call 866-376-9846 now!



Now — we will walk-you-thru each debt relief program. Iowa consumers have several outstanding options available for 2017 and beyond…

***The order of programs isn’t based on one program being better than the other, it’s just the way we have it listed here.*** You may also try our credit card reduction calculator to get an estimate on how much you can save on each of these debt relief options.

Iowa Debt Settlement – Option #One 

Iowa Debt negotiation, also known as debt settlement services: 

Debt settlement services can allow you to pay off your unsecured debt in anywhere from 2-3 years on average, and pay a significant amount less than the total owed on each account. This program is for the person that has a hardship and cannot stay current on their accounts any longer. Once you stop paying on your credit card accounts and join this program, we will make sure all of your creditors are immediately contacted and alerted that you are in the program. We will either set you up with a highly BBB rated debt settlement law firm in your state and near your residence or if you would prefer we can assist you on our non-attorney debt relief program.

Your creditors are paid in one lump sum payment, after enough money accumulates in your trust account, with debt settlement services. You make one payment each month into your trust account, when enough money accumulates to pay your creditor at the reduced amount, you must then authorize the payment, and each creditor gets paid off one by one.

Iowa Debt Relief Option #Two

Debt validation programs dispute third-party debt collection accounts; we will usually start by forcing your third-party debt collectors to prove they’re abiding by all of the federal laws including the Credit Card Act, Fair Debt Collection Practices Act, Fair Credit Reporting Act, and the Truth in Lending Act. The debt validation program comes with a 100% money-back guarantee and credit repair. If successful, a debt validation can be the least expensive debt relief program. Iowa consumers can find out — for free — if they qualify for this type of program by calling Golden Financial Services at 1-866-376-9846.

If the debt collection company can’t prove they’re following all of the state laws and rules after we request proof — they must stop collection on the debt immediately and can no longer report the information on your credit report. Often they will then remove any late or collection marks that are hurting your credit score. With debt validation, you get credit repair included for no extra cost. We don’t know of any other companies in the nation that offer this type of service!

If your creditors and third-party debt collectors are abiding by the federal laws, we may then settle your debt. With debt settlement, you could end up paying back a significant amount less than the full balance owed on each account.

You can see at Golden Financial Services we have all angles covered, which is why we have zero customer complaints and an A+ BBB rating.

You Get One Low Monthly Payment & Could Resolve ALL of Your Unsecured Debts Within 3 Years or Less (average) with Both the Iowa Debt Settlement and Debt Validation Program. 

Iowa consumers can call 866-376-9846 and get a free debt relief program quote now.

If you’re current on your payments when joining an Iowa debt relief program — your credit score will most likely go down, but you can rebuild your credit score upon graduation from the program. Keep in mind, with debt validation you get free credit restoration included.

Iowa Debt Relief Option #Three:

Iowa Consumer Credit Counseling can reduce your interest rates down to 8% on average. With this type of program, you make one single consolidated payment each month.

You will pay the full amount back,  but less interest, after getting approved for an Iowa non-profit consumer credit counseling program.  Most consumers prefer a hardship program because they are looking to save the most money, but consumer credit counseling is a good option if you feel secure about staying current on your accounts, and if you can, of course, afford it.

Not all creditors will work with a non-profit consumer credit counseling company. Always make sure to ask the company what lenders are willing to reduce the interest rates, and which ones are not. Sometimes a less reputable company will fail to tell their clients what creditors didn’t agree to reduce the interest rates, so make sure to ask this detail.

Besides having to pay your entire debt back, plus interest;– another downside to Iowa debt consolidation and consumer credit counseling programs is that it shows up on your credit report as a “CC” or “CCC” — which illustrates that you needed assistance with paying off your debt. Future lenders see that you were on a consumer credit counseling program and because of that — they may not issue you credit.

Who We Are

Call us 866-376-9846

Our goal is to get you out of debt fast and make you feel comfortable every step of the way. We teach you about the ups and downs of the program, what to do when certain situations occur and what to watch out for ensuring that debt collectors are not violating your rights. In the welcoming package, we will provide you educational material and information on debt collector laws, and our customer service department will also go over all of this information during the welcoming aboard phone call.

We teach you about the downside and upside of each program, what to do when certain situations occur and what to watch out for ensuring that debt collectors are not violating your FDCPA rights.

We are proactive. If a debt can’t be disputed, it will be settled. If a creditor issues you a summons, we resolve it right away. If you have student loans and credit card debt, we know how to separate the two and make sure everything gets properly addressed since it can’t all be lumped into one Iowa program. We prepare you ahead of time on how to deal with any potential issues that could arise during the program, to ensure that you are successful and ultimately become debt-free.

Do you have any of these fears holding you back from joining a debt relief program?

–  Afraid of paying high fees and not getting results? Our debt settlement program and student loan assistance fee is already included in your payment on both debt relief programs, not extra, and we only earn it when your debt is resolved.

–  Are you afraid that there is no guarantee on this type of program? Ask, and Golden Financial Services will give you a 100% Money Back Guarantee on one of our debt relief programs. We have programs that include either an attorney and legal protection, or no attorney but with a 100% written guarantee.

–  Afraid to get sued?  My credit card company may sue me, right? On average less than 3% of the credit card companies will sue our clients after their programs begin. If one of your accounts is one of the 3% or less that do receive a summons, we can refer you to an attorney to resolve it. You would get credited for that account, not having to pay anything extra. We have you covered in every possible way.

–  You can be confident in our services knowing that our company is A+ rated with the BBB and has NO complaints after 15-years of providing debt relief in Iowa.

–  Afraid your credit will be negatively affected when you stop paying on your accounts. You will be fully educated on credit, and we will teach you how to rebuild your credit score. Plus, credit restoration can be included.

–  Are you afraid that a debt relief company will sell you on a program just to make money, and then giving you a biased presentation, just trying to sell you on their product?

At the Iowa Debt Relief Golden Financial Services Office –you get to pick the program of your choice out of all the debt relief programs. Iowa debt settlement, student loan relief, consumer credit counseling, and debt validation services are all available. We try to present all debt relief options for consumers, to best serve people in Iowa. Not one program is right for everyone. When contacting Golden Financial Services, an experienced and IAPDA Certified debt specialist will evaluate and review each option, helping you to determine what the best program for you will be. We have aligned ourselves with different attorneys and highly BBB rated company’s all across the United States, making sure that no matter what option you decide on, you’re in great hands.

See Iowa debt relief program disclosures by visiting this page next. 

Learn about debt relief programs in other states:

National hardship debt relief programArizona debt relief, California debt relief, Florida Debt Relief, Maryland Debt Relief, New York Debt Relief, Georgia Debt Relief, Texas Debt Relief, San Diego Debt Relief and Wisconsin Debt Relief


State Data Lab,, August 7th, 2017

Iowa House of Republicans,, August 7th, 2017

Value Penguin,, August 7th, 2017