Debt Consolidation University FL

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Get a Debt Consolidation Loan in University FL

If you’re a University FL resident drowning in multiple debts, you’ve come to the right place. Using our patented SwiftWire™ technology we can have you approved quickly.

We don’t have hidden fees or hidden small print in our loan contracts, so you know exactly what your true APR (annual percentage rate) is up front.

Our team has been serving Hillsborough county customers for years now, and we’ve had countless satisfied customers approved in your area for debt consolidation loans – directly, securely, and quickly.

If you live in the University, Florida area and need to get rid of your debt in a hurry, apply now and get this chapter in your life behind you. Never forget – these rough financial times are just temporary – you’ll get that debt cleared up, and be on your way to a brighter future.





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Understanding Our Services

Transparent and fair cost structures with true APR.

Good Credit Rewarded

If you’ve been diligent in protecting your credit rating your interest rate will be lower.

No Hidden Fees

No small print fees, early payments, closing payments, or balloon payments.

Payment Flexibility

Choose the best payment plan for your financial situation and income per month.

SwiftWire™ Technology

With our patented SwiftWire™ technology we can service your consolidation loan faster than the competition.

Superior Customer Service

No matter what your consolidation needs are, our team is there for you ASAP. You’re not alone anymore.

Bad Credit Welcome

Our system approves a high ratio of bad credit borrowers.

Understanding Florida Lending Law

Florida Usury Laws in brief: Legal: 10% Contract: 18% and above $500K @ 25% Judgment: 6% Corporate: No ceiling

Source: Florida State Government Web Site


Quick & Easy 4 Step Process









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About Debt Consolidation in University FL


Help for University Florida borrowers needing debt consolidation

If you’re a University-based borrower who needs to consolidate your debts, rest assured we at LDS fully understand the stress that debt can cause. That’s why we’ve spent the last decade fine tuning our lending process so we can can approve a high percentage of applicants quickly.

At Local Debt Services we pride ourselves on solving debt problems for customers just like you, no matter what you need to consolidate – overdue bills, vehicle loans, student loans, or high interest balances.

Bad credit borrowers are welcome

If you have a poor credit rating, or a VERY poor credit score, we can help. Our SwiftWire™ processing system was specially designed to procure debt consolidation financing for lenders in all credit score ranges. We can’t guarantee every borrower will be approved of course, but we have one of the highest approval rates in the United States.

If you’re losing sleep because of your debt and credit score, you’re not alone, even if it may feel that way sometimes. At LDS we’ve helped MANY University FL-based applicants with our unique lending service. Hang in there, and we’ll do our best to get your consolidation loan squared away post haste.

Debt consolidation and debt relief are different

University FL debtors need to understand the difference between a debt consolidation loan, and debt relief. If you don’t know the difference, we’ll explain it in very simple terms.

A DEBT CONSOLIDATION LOAN: is when you borrow a large sum of money to pay off multiple smaller loans. For example; someone living in University FL has a car loan and a student loan, and both loans have high interest due to their credit score at the time of borrowing. Now their credit score is much better. So they borrow enough money to pay off all their high interest debts in full, and they’re left with one lower interest payment.

DEBT RELIEF: is when the debtor negotiates with their creditors to pay back only a portion of their debt. They can try to do this on their own, or they can use a debt settlement firm to negotiate and set it all up for them. Of course, these providers will charge you a fee.

What kinds of debts can I pay with a consolidation loan?

This all depends on the regulations and/or laws that govern University and Hillsborough county, but the typical debts paid off with a debt consolidation loan are vehicle loan balances, overdue bills (utilities, cell phones, etc.), Visa balances, Mastercard balances, medical bills, department store credit card balances, and student loan balances.

What to do after your consolidation loan is approved

After you’ve been approved for your debt consolidation loan, it’s VERY important that you don’t fall into the “new debt trap”. Some of our customers make the mistake of getting their consolidation loan at their new lower interest rate, and start borrowing more money. This is something you must avoid if you want your financial situation to get better over time.

If you keep taking on more debt, you may end up like some of our other customers living and working in University FL – they end up taking on too much debt, and wind up entering into a debt relief scenario, or a full blown personal bankruptcy. Make sure when you get your consolidation approved, you learn to live within your budget. Oh…did we forget to encourage you to make a realistic budget? We hope you do.

From all of us at Local Debt Services, we send all our best to you out in University, Florida, and we’ll do our best to get your consolidation approved in a timely manner.

Service Area for Debt Consolidation Loans in University FL

F.A.Q. for University FL Residents

Answer: Yes. You can do an Associate Debt Settlement in University Florida.

An associate debt settlement (or associate debt "relief") is when you have a close friend, relative, or third-party negotiate with your creditors to pay back only a portion of your debt(s).

This is a legal process that has a lot of advantages. By having your Hillsborough County-based third-party (friend, relative, or professional) negotiate with your University creditors (banks, credit unions, hard money lenders, payday loan companies, title loan companies, etc.) you are removing most of the stress involved with the debt relief process.

Your University-based creditors are better off with an associate debt settlement as well because your associate is not burdened with the emotional aspects such as guilt and shame that go with overwhelming debt problems.

Answer: Yes. You can get a Tidy Debt Relief in University Florida.

A Tidy Debt Relief (or Tidy Debt "Settlement") is when you consolidate all your debt(s) with one University-based creditor (or one National creditor) and one form of credit. The form of credit can be an unsecured credit (for example of unsecured credit card) or some form of secured credit, such as a home equity line of credit, or a credit line secured with some sort of asset (car, RV, truck, property, etc.).

The way it works is this:

You pay off ALL your Hillsborough County-based creditors (e.g. - utility bills, overdue rent, local telephone company, University-based department stores, small businesses, pay day loan companies, title loan companies, friends, relatives, used car dealerships, etc.) with the one main secured or unsecured credit form you chose above.

The advantages of your local Tidy Debt Relief process are as follows:

1) Almost ALL of your local University Florida-based creditors are paid off in full so you’re hurting the least number of creditors in your local area. The larger national banks such as JPMorgan Chase, Bank of America, Wells Fargo, Citigroup, U.S. Bancorp, Truist Financial, PNC Bank, TD Bank, Capital One are insured for all consumer credit charge-offs.

2) If, after you’ve exhausted all avenues of paying down your main national creditor, and can’t possibly pay them back in full, you can begin a debt relief (or debt settlement) process with them. By only having one creditor to “deal with” (negotiate with) you are dramatically speeding up your debt settlement process, while making sure our local University creditors are made whole.

3) By paying off (hopefully all) of your local University creditors with the money from your single creditor you’re stopping almost all of the collection agency phone calls. One creditor to deal with.

When you are at the stage where you’ve paid off all your local University creditors with the money from your one nationwide creditor we recommend you carry out an Associate Debt Settlement (see the F.A.Q. above).

Answer: No. You can’t go to jail for having unpaid debt in University Florida.

University Florida-based creditors can’t take your primary residency (if you own a home), your home contents, one vehicle, or any tools you need to earn a living with.

However, depending on your special circumstances, if you don’t pay child support, tax arrears, or court fines, there is a very slight possibility of doing a little jail time in University or somewhere in Florida. This is only in rare cases of egregious default.

So stop worrying about that, regardless of what any debt collection company tells you.

Answer: Yes. You can choose to ignore debt collection agencies in University Florida but you shouldn’t!

You should never ignore any snail mail, emails, texts, or phone calls from any creditor (National or University-based) because you DON’T want them to go to court and get a judgement against you. Don’t let it go that far.

If you get notices from any University Florida-based collection agency acting on behalf of a national creditor, respond ASAP. Get in front of it and start a negotiation if you can.

We know it’s stressful dealing with creditors so consider getting an associate to deal with your national and/or University-based creditors. See the What is Associate Debt Settlement and can I get one in University FL? FAQ above.

Answer: No. Debt collection representatives calling University Florida residents on their phones must do so between the hours of 8:00 AM and 9:00 PM. The only exception is if you give them permission to call you any time.

Answer: Debt collection representatives communicating with University Florida residents CANNOT:

--- Call you all hours of the day and night (see FAQ above).
--- Threaten you with physical violence.
--- Use foul or abusive language.
--- Lie about how much you owe.
--- Fake being a lawyer.
--- Fake working for the Federal Gov or Florida State Gov.
--- Claim you'll go to jail (see FAQ above).
--- Say they'll use legal action when they're not.
--- Claim you owe extra fees or interest on the actual arrears.
--- Contact your friends for family unless it's your spouse.
--- Contact you at work if your employer disallows it.

University FL-based banks, credit unions, community banks, and national bank branches have the strictest rules and regulations governing how they lend money (ANY money – not just for debt consolidation) so they are considered to be perfectly legit.

University Florida-based PRIVATE hard money lenders, subprime lenders, and title loan lenders must follow all FTC guidelines regarding lending and all Florida State usury regulations as well, BUT these hard money lenders tend to be the most susceptible when it comes to cutting corners, skirting the law, or using shady (questionable) tactics. See our Florida State usury regulations section near the top of this page entitled, “Understanding Florida Lending Law”.

To be on the safe side, no matter which University-based lender you apply for a debt consolidation loan with, be sure to read all their contract fine print carefully. If you can’t do that, at least find a University-based professional financial adviser or local University-based attorney to check the lender’s contract over.

The best University FL banks for debt consolidation are the banks that give you the lowest possible interest rate and APR considering your credit history and personal financial situation (income, DTI, etc.).

Your University-based community banks are generally easier to deal with when compared to any of the National Bank Branches with physical addresses in University. But keep in mind that your community banks are “FOR-PROFIT” companies, just like the National banks such as JPMorgan Chase, Bank of America, Wells Fargo, Citigroup, U.S. Bank, PNC Bank, TD Bank, or Capital One.

Your best bet when applying for a debt consolidation loan is usually with a NOT-FOR-PROFIT University Florida-based Credit Union. Even better…a University-based Credit Union that you’re already a member of.

Answer: No. There is no Freedom Debt Relief office located in or near University Florida that you can visit for walk in service.

Freedom Debt Relief is a national debt relief service. You can use their website to inquire about your debt settlement online, or use their phone number to contact them.

Freedom Debt Relief has two national administration offices. 1) San Mateo CA 2) Tempe AZ

Answer: No. There is no National Debt Relief office located in or near University Florida for walk in service.

National Debt Relief is a nationwide debt relief service. You can use their website to inquire about your debt settlement online, or use their phone number to contact them.

National Debt Relief has three administration offices. 1) NYC 2) Henderson NV 3) Culver City CA.

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Local Based Services

Directory of University-based services, specifically for those struggling with financial insolvency, unemployment, payday loan traps, loan shark traps, or sheer desperation. We understand you may feel more comfortable dealing with a provider with offices right in, or nearby University, Florida.

Credit & Debt Counseling
In University FL

Social Services

Financial Planning
In University FL

Income Upgrades

Stress Management Help for University Area Debtors

Being in deep debt is highly stressful. If you’re having trouble dealing with stress, anxiety, or depression because of debt, consider reaching out to your local University area stress management professionals. They can help debtors understand they’re not alone and that it’s a temporary life situation.

Closing note and tip of the day for University Florida debtors…

Our job at LDS is to find you a debt solution, and provide you with local University services. We would be remiss if we didn’t include the above offices for making appointments. One of the best things you can do when struggling with debt or money problems is get some professional, and unbiased advice.

We hope you consider reaching out to some of these University-based organizations so you can get your personal finances on track, keep your stress to a minimum, and make a solid financial plan for the future. We’ve included the local weather forecast so you can plan your appointments on the ideal day.

June 03, 2023 tip of the day for University-area visitors…

If you change your lifestyle you can change your financial situation. Sounds simple, but we at LDS know it isn’t. The founder of LDS was inspired to build this company because of his own financial struggles and ultimate bankruptcy. Not surprisingly, we’ve seen countless examples of people forced to change their lifestyles due to lack of cash flow and/or deep debt. Ironically, the lifestyle of the reformed debtor is healthier. For example, activities that don’t cost any money are usually wholesome – like a walk in the park, or a walk to a public library. Oftentimes, personal debt is caused by spending money on things that aren’t required, and frankly, not even that good for you. Some examples could be: eating out, traveling, drinking, smoking, partying, etc. Of course everyone is different. These examples may not apply to you at all, and your debt may have been caused by something completely out of your control. We get that. But if you look inside yourself, and take an unbiased look at your spending habits, you’ll see some of this is true for you as well.

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Local Debt services

1501 Biscayne Blvd.
Miami, Florida
United States

P: (305) 239 5618


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