Neon Funding vs Cobalt Advisors 

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Cobalt Advisors  


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Freedom Debt Relief Reviews



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  • Largest Debt Settlement Company in the United States with over $10 billion of client debt settled since 2002.
  • Ratings: 9.75 Top 10 Hype Rating , 9.0 Trustpilot rating
  • Accreditations:  American Fair Credit Council; platinum International Association of Professional Debt Arbitrators member
  • No Upfront Fees.
  • Free Consultation
  • No Minimum Credit Score
  • $10,000 Minimum Debt
  • 24 to 48 Month Debt Reduction Program

 – Ranked #1 – 

  • 100% Confidential
  • Accepts customers in all states except:  CT, GA, HI, IL, KS, OH, ME, MS, ND, NH, NJ, OR, RI, SC, VT, WA, WV, WY, DC & VA

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Score: 9.75

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LendingTree Review



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  • APR of 5.99% to 35.99%
  • Loan Amounts of $1,000 to $35,000
  • Secured and Unsecured Personal Loans
  • Loan Terms of 3 to 180 Months
  • Works with Excellent to Poor Credit
  • National Network of Lenders
  • Get Mutiple Offers In Minutes

 – Ranked #2 – 

  • Great Brand Recognition
  • Excellent FAQ section to get the answers you need quickly

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Score 9.25

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  • Provides a Network of Lenders That Can Fund Within A Day
  • No Minimum Credit Score
  • Bad Credit OK
  • No Upfront Fees
  • $500 to $35,000 Loan Amounts
  • 6 to 72 Months Terms
  • Submit Loan Online

 – Ranked #4 – 

  • 100% Confidential
  • Accepts customers in all 50 states
  • Use Cash For Any Reason

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Score 8.75

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Freedom Debt Relief Reviews


Freedom Debt Relief is a debt management company that is part of the larger Financial Freedom Network LLC. Freedom Debt Relief reviews solutions for customers with large debt problems. Over 600,000 clients have enrolled in the Freedom Debt Relief program since 2002. The company is the largest of its kind in the US. They became the first debt resolution company in the country to reach $1 billion in cumulative debt it has resolved for clients.


Lendingtree Reviews

LendingTree connects you with lenders from its network so you can compare and choose the best loan rates, fees and terms that fit your specific financial situation. LendingTree, with its aggressive online and offline media budget, has become a household name.  LendingTree offers home loans, auto loans, personal loans, student loans, business loans, and credit card offers.

visit site Review offers a way for potential loan borrowers to search for a loan provider – even if you have bad credit. A customer fills in a form with, and the company then seeks to match the borrower with a lender that suits their needs. The service promises efficiency and the ability to search multiple providers on behalf of the customer.

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Fast Track Financial Reviews

Fast Track Financial does not broker loans and does not make and/or fund any product offerings, loans, or credit decisions. The company claims to offer Fast Funding, No Fees No Catch, Easy Experience, & Start Saving. The company claims to offer loan approvals in as quickly as one business day. 

WARNING: Top 10 Hype has received complaints regarding Fast Track Financial’s direct mail campaigns. Their mailer indicates to consumers that they have been preselected for a personal loan without any mention of debt relief. The company’s practice seems to be to flip the consumer to a more expensive debt relief product.


Americor Funding Reviews

Americor Funding is one of the many debt settlement companies popping up that promises to help you climb out of a financial pit. Unfortunately, it seems like Americor Funding is yet another bait-and-switch company that is prying on people with a poor financial record and further plunging them into debt or financial crisis with poor advice.


Salvation Funding Scam

Salvation Funding claims on its website that it wants to make your life easier and they want to free you of your high interest credit card debt by providing lower interest rate options that may reduce your monthly payments and reduce the time you are in debt.

WARNING:  Top 10 Hype has received recent complaints regarding Salvation Funding’s business practices. Consumers believe they are applying for a loan when in fact they will be referred to an outside attorney to negotiate their debts and charge additional fees. Due to a mix of bait and switch tactics, an aggressive sales team and poor customer support, we can not in good faith recommend Salvation Funding. Their method of approaching customers is borderline bullying and their strategies used to sell their services are at the very least questionable. Possible connections to Lafayette Funding & Pebblestone Financial.


Pebblestone Financial Complaints

Pebblestone Financial claims on its website “there is no one single  reason someone is in high interest rate credit card debt. Once an application is completed Pebblestone determines which program or loans you may qualify for. Pebblestone Financial markets its business primarily through direct mail campaigns offering a low interest rate to sub-prime credit borrowers.

WARNING: Top 10 Hype has received recent complaints regarding Pebblestone Financial’s business practices. Consumers believe they are applying for a loan when in fact they will be referred to an outside attorney to negotiate their debts and charge additional fees. Due to a mix of bait and switch tactics, an aggressive sales team and poor customer support, we can not in good faith recommend Pebblestone Financial. Their method of approaching customers is borderline bullying and their strategies used to sell their services are at the very least questionable. Possible connections to Lafayette Funding & Salvation Funding.


Debt Consolidation Loan Review

What is Debt Consolidation?

The process of combing various unsecured debts – credit cards, payday loans, personal loans, medical bills, etc. into a single bill is known as debt consolidation. So, rather than paying off 15 creditors individually each month, you combine all the bills into a single payment and only write a single check. This simplifies your life and helps avoid payment errors that can result in bounced check fess and late payment penalties.The three most popular forms of  Debt Consolidation are:  Debt Consolidation Loans, Debt Management Plans & Debt Settlement Programs. None of these options will provide you with a quick fix, however, they are designed for your benefit as long-term debt reduction strategies. Debt consolidation should bring reduced interest rates and monthly payments and long term credit score improvement.

What is Debt Settlement?

A Debt Settlement Program will negatively impact your credit score but not nearly as bad as filing for bankruptcy. It is a cost effective way to resolve your debts. Professional negotiators attempt to settle your debts with your creditors and then create a payback of 2 to 5 years that you can comfortably afford. Once that payback period end, you would be debt free! In order to enter a debt settlement program, your accounts must already be 3 to 4 months delinquent. Our top choice, Freedom Debt Relief, is a debt settlement company.

Debt Free

Medical Debt Relief

What Types of Debts Are Eligible For Debt Settlement?

The most common debts successfully negotiated through a debt settlement program are credit card and medical bill debt. Those creditors are unsecured and they understand that if you filed for bankruptcy, they would most likely get nothing. The last thing they want to do is force you into a bankruptcy by being unreasonable. If a debtor shows that they are willing to enter a debt settlement program with a reputable company like Freedom Debt Relief, the creditors work with you to restructure your outstanding balances and are willing to agree to a significantly reduced payment.

Are Any Other Types of Debt Eligible For Debt Settlement?

Credit cards and unpaid medical bills are not the only debts eligible for debt settlement. Personal loans, auto repossession balances, utility bills, mortgage “short pay” balances, private student loans, apartment leases and cell phone bills are also eligible debts that can be submitted into a typical debt settlement program. There may be other types of debts available for debt settlement programs not listed above. To get a complete and updated list of the debts that are eligible, visit Freedom Debt Relief.

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Consolidate Debt

Can I Consolidate Credit Cards On My Own?

If your credit score is good (700 or higher) then the ideal way you can consolidate your credit card loan is by applying for a zero-percent interest balance transfer credit card. The zero-percent interest is a preliminary rate that typically lasts for around 7 to 18 months. Every payment made in that period will go straight toward decreasing your balance.When the preliminary rate concludes, interest rates rise to around 13 to 27 percent on the leftover balance. Be careful, because balance transfer cards usually demand a transfer fee (typically 3%), and some even charge a yearly fees. Another means to consolidate your credit card balance on your own is by going “cold turkey. ” Stop using credit cards and paying with cash or debit cards as an alternative. After you have fully paid off your debts, you can then pick one credit card and be extra careful with its use.

What Is Bill Consolidation?

The process of eliminating debt by bundling all your bill payments and reimbursing them with a single loan is referred to as bill consolidation. With this method, you only make one payment each month, which is a good idea if you have six, or perhaps even ten individual payments to make for utilities, credit cards, phone service, etc.If you combine all the bills into one amalgamated sum, the consolidated payment should have a reduced monthly payment and a lower interest rate. Any savings you have could best be used for starting a backup fund to help avoid any possibility of a future financial crunch.

bill consolidation

Consolidate My Bills

How Would I Consolidate My Bills?

Bills and debt consolidation require persistence, patience, and some form of management skills. You should begin by collecting all your dues from things such as utilities, credit cards, medical and cell phone services. Add the aggregate sum you owe on the unsecured loan and then decide how much you can really manage to pay for each month while still being able to pay your basics like food, transportation and rent.When you have a number in front of you, choose whether a debt management plan, a personal loan or a debt settlement plan will give you the maximum chance to get rid of your debt. Realize that this procedure usually takes around 3 to 5 years, and there are no quick-fixes and no short-cuts.

What Is A Debt Management Plan?

A debt management plan assists you in getting a cheaper rate of interest from creditors and lower or even waive late fee charges so you can comfortably pay off your monthly bills.  It is important to remember that making use of a Debt Management Plan will initially have a negative affect on your credit score.You would send a single payment to the debt management agency. The agency systematically divides the payment among your lenders. A debt management program will not work if you can’t keep up with your monthly payments. All it takes is one missed payment and your creditors can remove you from the program. This eliminates any benefits you’ve been granted and you can end up in the same or worse position from where you started.

Debt Management Plan