Debt Consolidation Services Available in Minnesota

August 17, 2022

Based on Freedom Debt Relief’s June 2022 Credit Card Utilization Data, the average credit card utilization of people looking for debt relief in Minnesota is 75%. By comparison, per Experian, the average credit card utilization in the US in 2021 was 25%. High credit card utilization, in general, implies a greater likelihood of needing debt relief services. Many Minnesotans have to use credit cards to buy basic household essentials—it’s not an uncommon scenario. And if this is the case for you, you may only be making the minimum payments on your cards each month or you may even be skipping payments altogether some months to take care of other bills.

Minnesota Debt Consolidation Loans

While debt consolidation is a good choice for many Minnesota individuals, it may not the best debt-clearing strategy for you.

Look into debt consolidation if:
  • You have good-to-great credit

  • You can avoid going back into debt

  • You’re in significant debt and it’s growing

  • You’re paying high interest rates on your cards

Consider other solutions if:
  • You have bad credit

  • Your debt-to-income ratio is too high

  • Your credit score’s too low

  • You’re unable to change your spending habits

Visit Freedom Debt Relief or call 800-910-0065 for a free debt evaluation to find the smart solution to your debt.

Discover different options in your city: Find Your Solution

Start exploring the various paths to financial freedom by calling Freedom Debt Relief at 800-910-0065 . Our Certified Debt Consultants will:

  • Ask you questions about your income and expenditures

  • Evaluate the details of your financial situation

  • Explain the options available

  • Recommend the best match for you

The highly trained debt consultants at Freedom Debt Relief will even go so far as to recommend another company if they feel that you would be better served by them!


Request a free debt evaluation to find out how we could help you:

  • Resolve your debt faster
  • Significantly reduce what you owe
  • Make one low monthly program payment

Debt in Minnesota

If you’re concerned about your levels of debt, you’re not alone. Many of your fellow residents are in the same position. In 2017, on average, Minnesota residents held three credit cards with balances of $4,541. While this is nine percent less than the national average, it’s still cause for concern if you’d rather be saving money instead of amassing debt.

In the Gopher State, creditors have 6 years to sue consumers who are unable to pay their debts. After that time, the debt does not need to be paid back, but they may still try to get some of the money owed. Rather than trying to avoid your creditors and collection agencies (think phone calls and letters), which can add worry to an already fraught situation, take charge of your financial destiny now.

If you’d prefer your finances to be in the black as opposed to the red, start looking into debt resolution today. Whether it’s debt consolidation or another method, you’ll gain peace of mind by knowing you’re headed in the right direction. All you have to do is make that first call. Contact Freedom Debt Relief now at 800-910-0065 for a free debt consultation.

End Your Debt

Find out how our program could help.

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    One low monthly program deposit
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    Settlements for less than owed
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    Debt could be resolved in 24-48 months

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