COVID-19 RELIEF - Call Now for info to relieve debt and Payments. (be prepared with information about your debt & financial situation) MUST have OVER $10,000 in Debt Balance.

Call For Covid-19 Debt Relief+1 (866) 376-9846 Click To Call For Covid-19 Debt Relief
Missouri Debt Relief, Settlement and Consolidation Programs
Call for Local Debt Relief Information in Missouri at 573-545-0030

Best Missouri Debt Relief, Settlement, and Consolidation Loans

Whether you live in St. Louis or Kansas City, Missouri debt relief and consolidation programs can help you escape high credit cards, unsecured bank and finance company loans, medical bills and just about any type of unsecured debt. Relief can also be achieved through government debt relief. Missouri Federal student loan relief programs are available at You can consolidate your student loans directly through income-based government debt relief programs.

Missouri Debt Relief Laws

Missouri debt relief program laws and regulations protect you from unscrupulous and fraudulent debt consolidation companies. Missouri debt settlement laws prohibit companies from charging up-front fees to settle a debt. Non-profit consumer credit counseling companies in Missouri cannot charge you more than $50 per month. Debt consolidation companies in Missouri must be fully transparent about the cost and fees associated with a loan and cannot charge unfair and outrageously high-interest rates. The key is, to make sure to only work with a licensed Missouri debt management company. You can find licensed consumer credit counseling companies in Missouri through the Department of Justice’s (DOJ) website.

How to Find the Best Missouri Debt Relief Companies?

To find reputable Missouri debt relief, settlement, and consolidation programs continue your search by checking with the Better Business Bureau (BBB). BBB accredited debt consolidation companies in Missouri must comply with state laws, and maintain a good reputation and positive online reviews. So the BBB is a great starting point to help you investigate debt relief companies. Missouri’s Attorney General’s (AG) Office is another place to check when investigating Missouri debt settlement companies. Similar to the BBB, the AG’s office can tell you if a company has any serious outstanding and unresolved complaints against it.

Missouri Debt Consolidation Loan vs. Debt Relief

Remember that debt relief programs in Missouri are not the same thing as a loan. Missouri credit card consolidation loans are an option that consumers can explore at a local credit union. Debt consolidation programs, on the other hand, including consumer credit counseling and debt settlement, Missouri residents can explore through a debt relief company, such as Golden Financial Services.

How to Qualify to Consolidate Debt in Missouri

If you are searching for a debt consolidation loan, Missouri credit unions offer the lowest interest rates on loans. To qualify for a low-interest debt consolidation loan in Missouri, credit scores must be around 710 or higher and credit card balances need to be less than 50% of the credit limit. Lenders will approve you for a loan to consolidate debt even if your credit score is under 700, but be careful that it’s not a high-interest loan with upfront fees. Many online lenders will offer subprime loans that include high fees and rates.

Missouri Debt Relief Program Credit and Minimum Requirements to Qualify as of 2022

You don’t need a minimum credit score to qualify for debt settlement. Missouri residents do need to have above $7,500 in unsecured debt to qualify for any of Golden Financial’s programs, but no minimum credit score.

Eligible unsecured debt includes medical bills, credit cards, third-party collection accounts, and unsecured loans.

Call (866) 376-9846 for a Free Consultation with an IAPDA Certified Missouri Debt Counselor 

Try this debt calculator to compare Missouri Debt Relief Programs – Versus – Paying Minimum Payments on Your Own


Missouri Debt Statistics

The average credit card balance for a consumer in Missouri is only $5,897. Just to put that number into perspective, Alaska’s average credit card debt is $8,515, New Jersey’s is $7,151 and New York’s average is $6,671.

Do you owe more than $7,500 in unsecured debt? 

You qualify for Missouri debt relief programs if you owe above $7,500 in unsecured bills, including credit cards, unsecured loans, medical bills, and even collection accounts.

Missouri Debt Relief Programs Include:

  • Quick-relief by immediately lowering monthly payments.
  • Reduce interest rates or balances, depending on the program you choose.
  • Debt-free within 2-5 years (2-3 years with debt settlement & 4-5 years with consumer credit counseling and debt consolidation)
  •  All Debt Relief Programs in Missouri Give You- “One simplified and affordable monthly Monthly Payment”

The state of Missouri is deep in debt and can’t afford to get out. Missouri only has $8.3 billion of assets available to pay bills totaling $16.2 billion. At Golden Financial Services we are determined to help improve the economy in Missouri.

Talk to an IAPDA Certified Counselor for Help Now Toll-Free (573)-545-0030.

Best Missouri Debt Relief, Settlement, and Consolidation Company

In 2021, Golden Financial Services was the #1 Rated Debt Relief Company by Trusted Company Reviews (click to verify). 

What makes Golden Financial Services the top-rated debt relief company in Missouri?

  • Golden Financial Services offers debt settlement and negotiation services, debt validation programs, and debt consolidation. Other debt relief companies in Missouri, such as Freedom Debt Relief and National Debt Relief, only offer one program.
  • Missouri residents are entitled to getting a free consultation with an IAPDA certified debt counselor that specializes in Missouri debt relief services.
  • Golden Financial Services is the only company in the state that has more than 10-years in business and that maintains zero Better Business Bureau complaints.
  • No other company offers debt relief programs that come with a “written guarantee” and “credit restoration”.

What are my best options for debt relief in Missouri?

Here is an infographic that illustrates all of the benefits and downsides of each debt relief program in Missouri. 

Share this Image On Your Site

Debt Settlement Missouri

Debt settlement services were one of the first debt relief programs in Missouri, but over the years these services evolved. Now debt settlement is one of the last options that you want to consider. Debt settlement can save a person the most money, compared to any other program, but also comes with the worst effect on credit scores.


Debt Consolidation Missouri

Missouri debt consolidation services are perfect IF you have a high credit score and sufficient income, but for consumers experiencing a financial hardship debt consolidation is not a viable option.


Student Loan Relief in Missouri

We can consolidate your federal student loans and either offer debt validation or debt negotiation for your private loans.


Bankruptcy Missouri

If you have over $100,000 in debt and multiple lawsuits, and your wages are about to be garnished, maybe you should consider bankruptcy, but 99% of the time at Golden Financial Services we can help you to AVOID BANKRUPTCY.


To make life easier, talk to an IAPDA Certified Debt Relief Counselor. It’s FREE! Missouri debt relief, consolidation, and debt settlement programs can all be explained in a matter of minutes.

Talk to an IAPDA Certified Counselor for Help Now – Toll-Free (866) 376-9846.