💡 Owe $10,000+ in Credit Card Debt?
New Era Debt Solutions has helped thousands of Americans—Colorado residents included—settle their unsecured debts for less. No upfront fees, no gimmicks.
Top Debt Relief Options in Colorado
Whether you live in Denver, Colorado Springs, Aurora, Fort Collins, Boulder, Pueblo, Greeley, Grand Junction, or anywhere else in Colorado, there are multiple debt relief solutions to help you take back control. Below are the most common and effective options for Coloradans in 2025:
- Credit Counseling Services – This is often the best first step, especially for residents of urban areas like Denver and Boulder. Certified nonprofit credit counselors will review your financial situation, help you build a budget, and offer personalized advice. These services are typically free or low-cost and are available in cities across Colorado including Aurora and Colorado Springs.
- Debt Management Plans (DMPs) – Offered through nonprofit credit counseling agencies, DMPs combine your monthly unsecured debt payments into a single, manageable payment. If you live in Fort Collins or Pueblo, a DMP can also reduce your interest rates and late fees without needing to take out a new loan. These plans generally last 3–5 years and are available across the state.
- Debt Consolidation Loans – If your credit score is solid, you may qualify for a personal loan to consolidate your high-interest credit card balances. This is a popular option in cities like Greeley and Grand Junction where lending options may vary. Just be cautious—if you have poor credit, loan terms may not be favorable and could dig you deeper into debt.
- Debt Settlement – In cities like Colorado Springs and Boulder, many residents turn to debt settlement companies when they’re struggling to keep up. These firms negotiate with your creditors to settle for less than you owe. It can reduce your total debt burden, but comes with credit score damage and potential tax implications. Always choose a reputable company that doesn’t charge fees upfront.
- Balance Transfer Credit Cards – A smart option for residents of Fort Collins or other college towns with decent credit. By transferring high-interest balances to a card with 0% intro APR, you can save money on interest—just be sure to pay off the balance before the promotional period ends. Also factor in any transfer fees.
- Bankruptcy (Chapter 7 & 13) – Bankruptcy can provide a financial reset for those facing insurmountable debt. Chapter 7 allows you to wipe eligible debts like credit card bills and medical debt, while Chapter 13 lets you reorganize and pay over time. Bankruptcy laws are federal, but state-specific exemptions apply in Colorado. If you’re in Denver or Pueblo, it’s wise to consult a local bankruptcy attorney who understands Colorado’s unique asset protection laws.
Compare the Top Debt Relief Companies in Colorado
| Company | Founded | Minimum Debt | Fees | Colorado Coverage | Learn More |
|---|---|---|---|---|---|
| New Era Debt Solutions | 1999 | $10,000 | 15–25% of enrolled debt | Yes | Visit Site → |
| Freedom Debt Relief | 2002 | $7,500 | 18–25% | Yes | Visit Site → |
| National Debt Relief | 2009 | $10,000 | 18–25% | Yes | Visit Site → |
| Pacific Debt Relief | 2002 | $10,000 | 15–25% | Yes | Visit Site → |
| Accredited Debt Relief | 2011 | $10,000 | 15–25% | Yes | Visit Site → |
No matter where you’re located—Broomfield, Loveland, Castle Rock, or Littleton—exploring your debt relief options with a trusted provider can make a huge difference. Start with a free consultation from a nonprofit agency or licensed debt relief company to understand your best path forward.
Colorado Debt Relief Resources
Wherever you live—Denver, Boulder, Colorado Springs, Fort Collins, Aurora, or Pueblo—there are organizations ready to help. Below are reputable nonprofits, law firms, and national providers offering services in Colorado:
- Money Management International – Offers credit counseling and DMPs nationwide, with availability in Colorado.
- Springs Rescue Mission – In Colorado Springs, offers financial coaching as part of its broader support services.
- Debt Solutions Colorado – Local agency providing DMPs and budgeting support for Coloradans.
- Freedom Debt Relief – A national company offering debt settlement services in Colorado.
- National Debt Relief – Offers debt negotiation services throughout Colorado.
- Colorado Legal Services – Nonprofit legal aid organization that can assist with bankruptcy and debt collector harassment cases.
Colorado Debt Relief FAQ
1. Are debt relief programs in Colorado legit?
Yes, but only work with licensed, well-reviewed companies. Avoid anyone asking for upfront fees or pressuring you into a quick decision.
2. Can debt relief hurt my credit score?
Some options like debt settlement and bankruptcy will negatively affect your credit. Others like credit counseling or DMPs generally do not. It depends on the method.
3. How much debt do I need to qualify?
Most debt settlement companies require at least $7,500–$10,000 in unsecured debt. DMPs and counseling have no minimums and are worth exploring first.
4. Can I get a debt consolidation loan with bad credit?
It’s possible, but your interest rate may be high. Consider working with a counselor first to assess your options.
5. Does Colorado have any state-sponsored programs?
No direct government relief, but groups like Colorado DORA help regulate and protect consumers from predatory financial services.
Final Thoughts
You don’t have to stay stuck in debt. Colorado offers many paths to relief—whether through a trusted nonprofit, a settlement company, or legal bankruptcy protection. Do your homework, compare options, and take the first step toward financial freedom today.
