Debt Consolidation Franklin IN

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Last updated March, 2023

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Franklin IN Debt Consolidation Services

You can apply for debt consolidation here, or use any of the local Franklin IN services we have gathered for you. Remember that debt consolidation and debt relief are completely different, which is explained in more detail below.

Our application process is extremely simple. Just enter your zip code, and estimated credit score to start. After that our patented SwiftWire™ platform will guide you through the easy process of applying for your debt consolidation loan, or debt relief program.

You can also use the same form to estimate your APR (interest rate). This one-of-a-kind application uses survey data from other borrowers and debtors in your zip code, in the Johnson county area, or in the Franklin IN area. Once you know your estimated APR you can enter it into our interactive debt consolidation calculator. You will instantly be provided with an estimated monthly payment, interest, and principal schedule.

After applying here @ LDS, our SwiftWire™ platform will process and route your application directly, securely, and quickly.





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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.

Current Indiana Usury Law

Indiana Usury Laws in brief: Legal: 8% Contract: As per Indiana UCC / Judgment: 8% / Corporate: No specific rate

Source: Indiana State Government Web Site


Easy Four Step App









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Debt Solutions in Franklin and the Johnson County Area

A debt consolidation solution

Franklin-based debtors can use our patented SwiftWire™ process to consolidate high interest loans, credit card balances, department store card balances, car loan balances, gas cards, cell phone bills, and any other high interest balances they may have. Please keep in mind that a consolidation loan is nothing like a debt relief solution.

Budget after consolidation loan approval

Once you are approved for your debt consolidation loan it’s time to watch all your expenses closely with a detailed and forthright budget. We’ve included a free budget planning template so you can do just that. Make sure you’re accurate with every expense so you can see your true debt-to-income ratio. This is an important part of the “financial healing” process, so that you don’t fall into even more debt in the near future.

It’s a very common problem with newly approved customers. At first they’re thrilled to see all their debts paid off, and they’re even happier to have the collection calls stop. But then they soon relax their budget strings and start over using their credit cards again.

A debt relief solution

A debt relief solution may be your best bet if your local Franklin-based banks and credit unions, or your Johnson county area banks and credit unions have declined your requests for a consolidation loan. A debt relief plan is when you negotiate to pay back a fraction of your debt(s). You can use our easy app – after entering your zip code you will be instantly given options for a reliable debt relief provider in your area.

Will you approve applicants with bad credit?

You can be approved for debt consolidation with a bad credit rating. If the loan officer sees your debt-to-income ratio (monthly income/total expenses) is manageable, and your income sources are well established, you can certainly be approved. Keep in mind that your final true APR (interest rate) will be higher than a good credit borrower.

This can be a fresh start for you. This may be a way for you to greatly improve your credit rating. Going forward you can change your spending habits to make sure your debt-to-income ratio is healthy. This issue with debt could be something you never have to deal with again.

How will my bad credit score affect cost?

If you have a poor credit rating, with a low FICO score (credit score) your true APR (annual percentage rate) will naturally be higher than those borrowers with higher credit scores. However, this is only in regards to a debt consolidation loan. If you would like to get an instant no obligation estimate of your cost without any formal communication, simply use our free APR estimator to get your estimated interest rate and enter that into our interactive consolidation calculator.

For a debt relief service, your credit score doesn’t come into play. However, your credit score can be affected when using a debt relief option. We recommend trying for a debt consolidation loan first, either with our application form, or with your local Franklin-based lenders.

About our Franklin IN service listings

Below we have local Franklin IN services resources. These include financial planners, debt and credit counselors, social assistance offices and locations, income upgrade opportunities, and stress management providers who serve the Johnson County area.

With our debt services app now at your disposal, and your local Franklin-based providers, we’re confident you will get your debt issues sorted out soon. Don’t forget to bookmark this page for later reference.

Service Area for Debt Consolidation Loans in Franklin IN

F.A.Q. for Franklin IN Residents

Answer: Yes. You can do an Associate Debt Settlement in Franklin Indiana.

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 Johnson County-based third-party (friend, relative, or professional) negotiate with your Franklin 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 Franklin-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 Franklin Indiana.

A Tidy Debt Relief (or Tidy Debt "Settlement") is when you consolidate all your debt(s) with one Franklin-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 Johnson County-based creditors (e.g. - utility bills, overdue rent, local telephone company, Franklin-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 Franklin Indiana-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 Franklin creditors are made whole.

3) By paying off (hopefully all) of your local Franklin 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 Franklin 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 Franklin Indiana.

Franklin Indiana-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 Franklin or somewhere in Indiana. 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 Franklin Indiana but you shouldn’t!

You should never ignore any snail mail, emails, texts, or phone calls from any creditor (National or Franklin-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 Franklin Indiana-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 Franklin-based creditors. See the What is Associate Debt Settlement and can I get one in Franklin IN? FAQ above.

Answer: No. Debt collection representatives calling Franklin Indiana 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 Franklin Indiana 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 Indiana 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.

Franklin IN-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.

Franklin Indiana-based PRIVATE hard money lenders, subprime lenders, and title loan lenders must follow all FTC guidelines regarding lending and all Indiana 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 Indiana State usury regulations section near the top of this page entitled, “Understanding Indiana Lending Law”.

To be on the safe side, no matter which Franklin-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 Franklin-based professional financial adviser or local Franklin-based attorney to check the lender’s contract over.

The best Franklin IN 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 Franklin-based community banks are generally easier to deal with when compared to any of the National Bank Branches with physical addresses in Franklin. 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 Franklin Indiana-based Credit Union. Even better…a Franklin-based Credit Union that you’re already a member of.

Answer: No. There is no Freedom Debt Relief office located in or near Franklin Indiana 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 Franklin Indiana 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 Franklin-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 Franklin, Indiana.

Credit & Debt Counseling
In Franklin IN

Social Services

Financial Planning
In Franklin IN

Income Upgrades

Stress Management Help for Franklin 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 Franklin 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 Franklin Indiana debtors…

Our job at LDS is to find you a debt solution, and provide you with local Franklin 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 Franklin-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.

March 20, 2023 tip of the day for Franklin-area visitors…

Pat yourself on the back whenever you resist the urge to spend money on something you don’t need, or throws your monthly budget out of whack. Give yourself a well deserved “atta boy or girl” when you succeed in following your budget. Pat yourself on the back when you check all your account balances and activity every month. Never forget that you are good person.

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