Roseland Associates Debt Consolidation Review

Melissa Lyken

March 10, 2021

Find out if debt consolidation can help you.

Summary: Afraid that you'll never be able to pay off your debts? Wondering if debt consolidation is for you? Find out if you can save money and time by considating your debts.

Most people are in debt - and not just one type of debt, but often several parallel obligations requiring payments for credit cards, mortgages, student loans, and possibly even a car loan in any given month. Owing this much money can be stressful and frustrating.

On top of making monthly deposits, you also need to keep track of each separate creditor. So it is easy to understand why debt consolidation can be an attractive scenario. You can combine all your debts into one massive lump sum and even obtain a lower interest rate on the total debt.

Considering all of the potential benefits of debt consolidation, you may be shopping around for a debt consolidation company, and you may be considering Roseland Associates. If so, continue reading for our rating on this company.

Are you being sued by a debt collector? Respond in 15 minutes with SoloSuit.

Debt Consolidation Helps Minimize Your Debt

Debt consolidation allows you to combine all your debts, including medical bills, credit cards, and personal loans. But does it help? Consolidation doesn't equal debt settlement, and doing this won't get rid of your debt immediately.

However, debt consolidation is a debt management technique that can make your life easier if you pair it with other strategies. It isn't a way to stop you from having to pay your debt, as there is no way to get out of paying your debts altogether. Also, while you may obtain a lower interest rate and a monthly payment plan, it isn't guaranteed.

You want to make sure you take a close look at your current interest rates to determine if consolidating is the best option for you. The specifics of each plan vary for each customer, so make sure it's right for you.

Get to Know Roseland Associates

Roseland Associates is a Maryland-based US debt consolidation company that offers customers competitive interest rates. They are a relatively new company and opened their business in April 2019. They also don't just help their customers manage debt. Roseland Associates also teaches customers how to develop better money habits. Adhering to their tips can help you improve your financial status over a few years.

Roseland Associates will talk to your creditors and take over your debt. Now you are paying Roseland the entire debt sum at a better interest rate, making your monthly payment lower and manageable. Ultimately, debt consolidation may be an excellent option for you to obtain a better long-term financial standing. As you are considering Roseland associates, you want to take stock of:

  • Your current debt
  • Your current interest rates
  • Roseland's proposed interest rates
  • Current monthly payment vs. your new monthly payment
  • Your income and ability to continually pay the new loan

The advantage of partnering with an agency like Roseland Associates is not arbitrary debt reduction; instead, it lies in providing a manageable monthly payment sum, which is often a more workable solution.

Use SoloSuit to make the right defense and win in court.

Explore the Pros of Debt Consolidation with Roseland Associates

Suitable for large debts

If you have a large debt or owe more than two companies, Roseland Associates may be a good option for you. They specialize in large loans and have competitive rates that allow you to pay off your loan over several years. Additionally, they have policies that can help you pause payments for one to three months in situations such as losing your job. If the sum of the total debt you want to consolidate is relatively high, don't be afraid to consider consolidation if it will mean fast pay-off and management.

Clients with low credit scores are welcome

The biggest issue you will face when you're considering debt consolidation companies is their credit score requirements. Most of these firms require a high credit score to get a reasonable interest rate, which is extremely difficult when you need financial help.

If you've been in debt for several years, don't have a consistent job, or are working at a low wage, you've probably missed a payment or two over the years. Roseland Associates doesn't assess you strictly on your credit report and will take you on even if you have a poor credit score.

Flexible repayment options

Roseland Associates has flexible payment options that are available to a wide variety of debtors. They have no restriction for minimum debt amount, which means anyone can acquire their services.

Consider the Cons of Debt Consolidation with Roseland Associates

Higher interest rates for bad credit

If you have a low credit score, Roseland Associates will likely take you on as a client. However, you will have to pay a higher interest rate than a customer with a good credit score. While this is a standard policy within the industry, it is still a factor to consider if you're on the fence about partnering with a firm.

You will want to compare the quoted rates before making your final decision on a particular company.

Origination fees are added to the interest

Roseland Associates charges customers an origination fee when they sign up. This initial fee will be added to your loan, so make sure you take this into account.

Don't let debt collectors push you around. File a response with SoloSuit.

Final Verdict on Roseland Associates Debt Consolidation

Roseland Associates has an online customer rating of 3 out of 5 and sits under the MHA Nation of North Dakota's umbrella. They offer a host of services in the field of debt management. Be sure to remember the following:

  • Debt consolidation may not reduce or eliminate your debt. Roseland Associates will help you pay off your debt in reduced installments.
  • If you have two or more types of debt, debt consolidation can help lighten the load by combining them. Roseland Associates is recommended especially for people with several creditors.
  • The interest rate will vary depending on your credit history and the details of your debt. While Roseland Associates accept clients with poor credit scores, they will charge you a higher interest rate if you fall within this category.

If you are struggling with debt, you can contact them here and get a custom-built plan to suit your financial needs. An expert will help you formulate the best possible plan and engage with your current creditors on your behalf.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for Debt Collection Guides for Other States

Here's a list of guides for other states.

All 50 states.

Guides on How to Beat Every Debt Collector

Being sued by a different debt collector? We're making guides on how to beat each one.

Win Against Credit Card Companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get Answers to These FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa