Debt consolidation Care

What Debt consolidation Care does

DebtConsolidationCare is an online consumer debt-help community founded in 2003 and operated by InterNext Technologies Inc. from Reno, Nevada. The platform serves individuals across all 50 US states who are struggling with unsecured debts such as credit card balances, medical bills, personal loans, and payday loans, and provides free educational content covering debt consolidation, debt settlement, debt management plans, payday loan consolidation, and bankruptcy (Chapter 7 and 13).

The underlying platform is a content-led web property consisting of a blog, state-by-state guides, sample letter templates, deterministic debt calculators, and an interactive community at community.debtcc.com with forums, a peer-mentor ("Samaritans") program, and a Hall of Fame tier. The site has no mobile app, no public API, and no third-party integrations; distribution is exclusively online and via an inbound phone line (800-332-8913). Public-facing expertise is anchored by spokesperson Loretta Kilday, Esq., a 35+ year bankruptcy and consumer-finance attorney.

The business model is advertising-supported lead routing rather than direct debt-relief services. DebtConsolidationCare does not charge consumers and does not earn per-referral commissions; instead, it collects flat advertising fees from debt-relief companies listed on the site, to whom counseling sign-up details (name, email, phone) are forwarded. The company is BBB A+ accredited and IAPDA accredited, and has been featured by Forbes, Yahoo Finance, Business Insider, US News, and The Street. No outside funding, no disclosed revenue, and no M&A activity are present in the available record.

Name

Debt consolidation Care

Legal name

InterNext Technologies Inc.

Website

https://debtconsolidationcare.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

DebtConsolidationCare is a free online debt-help community that provides educational content, debt calculators, sample letters, and forums to US consumers across all 50 states, routing inbound leads to advertising debt-relief companies via flat advertising fees.

Ownership category

akta.pro rank

Product category

Consumer Debt Relief and Credit Counseling

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI)

akta.pro secondary industries

Debt Management Plans (DMP) & Consolidation Programs (FSAKAIAJ), Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

Keywords

• Debt relief services
• Debt consolidation programs
• Debt settlement guidance
• Credit counseling community
• Bankruptcy information resources

Headquarters

HQ city

Reno

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure, Others

Revenue model

1. Advertising fees from listed companies: InterNext Technologies INC, the parent company operating DebtConsolidationCare, generates revenue by charging advertising fees to companies that advertise on the website. When a user signs up for a 'Counseling sign-up,' their name, email, and phone number are forwarded to the advertising company, which then contacts the user. InterNext Technologies INC receives a flat advertising fee, not a per-referral commission.
2. Referral fee arrangement (disclosed non-obligation): When users submit a counseling sign-up form, their details are forwarded to advertising companies. While there is no obligation for users to engage the advertiser's services, the company discloses that it earns advertising fees from companies listing on the platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Debt Consolidation Care is an online debt-help community that provides free educational content, interactive tools, and peer-support forums for individuals and families seeking debt relief. It connects users via a free consultation intake to third-party debt relief providers advertising on the platform, covering options including debt settlement, debt consolidation loans, debt management plans, payday loan consolidation, and bankruptcy. The company earns advertising and referral fees from those listed providers rather than selling its own debt-relief services directly.

Product overview

DebtConsolidationCare is an online debt relief community platform offering multiple interconnected services. The core offerings include Debt Settlement (negotiating to pay less than owed over 2-4 years), Debt Consolidation Programs (combining multiple debts into one monthly payment), Debt Management Plans (DMPs with reduced interest rates), Payday Loan Consolidation, and Bankruptcy guidance (Chapter 7 and Chapter 13). Supporting tools include Debt Calculators for financial planning, a Community Forum for peer support, Sample Letters for creditor communication, and educational Articles/Blog content. The platform also provides free consultation services to match users with appropriate debt relief strategies. All services are tied together through educational content, state-specific guides, and consumer protection information.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Settlement A referral-based program where users negotiate with creditors to pay less than the full balance owed. Users stop payments, save into a dedicated account, and settle debts individually over two to four years. Aimed at U.S. consumers with unsecured debt balances they cannot fully repay.
• Debt Consolidation Program A structured plan combining multiple unsecured debts into one monthly payment, potentially reducing interest rates and fees through negotiations with participating creditors. Targeted at U.S. consumers seeking to simplify multi-debt repayment.
• Debt Management Plan (DMP) A structured repayment plan set up through a credit counseling agency where counselors negotiate with creditors to lower interest rates, with one monthly payment distributed to enrolled creditors. For U.S. consumers seeking a 3-5 year structured path to unsecured debt payoff.
• Payday Loan Consolidation A program helping users escape the cycle of high-interest payday loans by consolidating them into a single affordable monthly payment with lower interest rates. Aimed at U.S. consumers trapped in short-term, high-cost payday loan debt.
• Bankruptcy (Chapter 7 & Chapter 13) Educational and referral guidance for the Chapter 7 and Chapter 13 bankruptcy processes, including means testing, court-approved repayment plans, and understanding which debts can be discharged. Referred to vetted bankruptcy attorneys; consumer pays attorney fees typically ranging from $1,500 to $4,000+.
• Debt Relief (Comprehensive) Comprehensive debt-relief overview offering self-negotiation, consolidation loans, debt settlement, debt management plans, debt forgiveness, and bankruptcy guidance for U.S. consumers with unsecured debt.
• Credit Card Consolidation Consolidation service specifically for credit card debt, combining multiple credit card balances into one simplified repayment plan. For U.S. consumers with high credit card balances seeking a structured path to financial freedom.
• Debt Snowball and Debt Avalanche Methods DIY debt repayment strategies where users pay minimums on all debts and apply extra funds to either the smallest balance (snowball) or highest interest rate (avalanche) debt first. For self-directed consumers wanting free methods.
• Free Consultation A no-obligation counseling session where financial consultants analyze a user's debt situation and recommend personalized debt relief strategies. Accessible via phone at (800) 332-8913 or the online intake form; sign-up details are forwarded to advertising companies offering debt-relief services.
• Community Forum (DebtCC Community) An interactive peer community at community.debtcc.com where members share financial situations, challenges, and experiences; includes sub-platforms for forums, Samaritans (peer mentors), Hall of Fame members, and an answers section. Free for U.S. consumers managing unsecured debt.

Quantifiable outcome

• Debt consolidation may reduce interest rates and consolidate multiple payments into one manageable monthly payment
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• InterNext Technologies INCcoreOthersInterNext Technologies INC is the parent company that owns and operates the DebtConsolidationCare website and platform. The company earns advertising fees from third-party debt relief companies that advertise on the DebtConsolidationCare website.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Freedom Debt Relief: Large debt settlement provider and frequent advertiser on debt-help comparison sites. It represents a leading destination for the leads that DebtConsolidationCare's platform generates.
• InCharge Debt Solutions: Nonprofit HUD-approved credit counseling organization providing free debt counseling, debt management plans, and bankruptcy counseling. It is a directly comparable consumer-facing credit counseling service.
• Debt.org: Free online debt help resource and community covering debt consolidation, settlement, management, and bankruptcy — essentially the same target user, content footprint, and free-advice positioning as DebtConsolidationCare.
• National Debt Relief: Major consumer debt settlement company that negotiates reduced balances with creditors. It is representative of the type of advertiser DebtConsolidationCare refers leads to and a direct functional comparable in the debt relief space.
• Money Management International (MMI): Large nonprofit credit counseling agency offering free debt counseling, DMPs, and financial education. It is one of the largest direct competitors in the consumer credit counseling category.
• Consolidated Credit: Nonprofit credit counseling agency offering free debt advice, debt management plans, and financial education. It is a direct comparable in the credit counseling / debt advisory category that DebtConsolidationCare routes users into.
• Clearpoint Credit Counseling Solutions: Nonprofit credit counseling agency providing free debt counseling, debt management plans, and student loan counseling. It is a direct comparable in the credit counseling category and a potential advertiser / referral partner.

Broad incumbents

• Credit Karma: Free credit-score and personal finance platform owned by Intuit that matches consumers to credit and debt products via a referral/lead-gen model. It competes for the same end user (Americans with unsecured debt) but does so via a registered fintech platform rather than a community.
• LendingTree: Public loan broker and consumer finance marketplace that operates a similar 'borrower comes to site, is matched to providers' flow across personal loans, debt consolidation, and credit products. It is a scaled incumbent in the loan-origination intermediation category that directly mirrors DebtConsolidationCare's advertiser model.
• NerdWallet: Public financial product comparison platform that covers debt consolidation, credit cards, and personal finance education. It is a broader incumbent operating across many financial verticals with a similar content-and-referral monetization model, making it the most analogous scaled comparable for DebtConsolidationCare.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/debtcc
• Facebookfacebook.com/debtconsolidationcare
• LinkedInlinkedin.com/company/jason-holmes-52399536

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Debt consolidation Care