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Debt Consolidation

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Debt Consolidation
Debt Consolidation
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We've helped THOUSANDS just like you...
Hear from some of our REAL 5-STAR reviews

Don’t just take our word for it, listen to some of our clients whose lives have changed forever now that they’ve completed our program, and are debt-free

Ray was the most honest and trustworthy guy I have ever done business with. It’s very hard to trust businesses in today’s world but I would recommend them 100%. Please consider this option before you get in a bigger pickle! I’m glad I did!
Without a doubt, Reliant is a company you can trust if you dream of a plan for living debt free. The process is highly professional with clear expectations and no hidden fees or agenda. Ray is super personable and helped me create a plan for financial freedom that works and gives me hope for the future. Highly, highly, HIGHLY recommend this agency!
Response from the owner:Thank you so much for the kind words and recommendation! We truly appreciate your trust in Reliant. Helping our clients find honest, transparent solutions and real hope for a debt-free future is why we do what we do. It was a pleasure working with you, and we’re grateful to be part of your journey toward financial freedom! Thank you again Heidi for the great review!
Unexpected financial burdens in our family's life left us plagued by credit card debt and high interest payments. Ray was able to transparently walk me through their process and communicated with me every step of the way. He was able to work with the credit card companies to establish payment plans that work for me, and I now see light at the end of the tunnel. Thank you to Ray and RMS.
Response from the owner:We understand how overwhelming unexpected financial challenges can be, and we’re grateful you trusted Ray and our team to help guide you through it. Transparency and consistent communication are at the core of what we do, so it’s great to hear that you felt supported every step of the way. Most importantly, we’re glad to hear you’re starting to see light at the end of the tunnel—that’s exactly what we aim for. We’ll continue to be here for you throughout your journey. Thank you again for choosing RMS
I had an incredible experience working with Ray. He took the time to understand my financial situation and was able to successfully negotiate 0% interest on my credit cards, which help lower my monthly payment. What really stood out was their support and guidance throughout the process—they didn’t just offer a quick fix, they helped me build a path toward real debt relief. I feel more in control of my debt than I have in years. I highly recommend their services to anyone feeling overwhelmed by credit card debt and looking for a practical, effective solution.
Response from the owner:Thank you so much for your thoughtful review! We’re truly glad to hear about your positive experience working with Ray. He takes great pride in understanding each client’s situation and finding real, effective solutions—so it means a lot to see that reflected in your results. Lowering your interest and helping you regain control is exactly what we aim for, and we’re happy to have been part of your journey toward financial relief. We appreciate your recommendation and are always here if you need anything along the way!
Thank you so much Ray Foster for your help. You are absolutely amazing at what you do. I was trying to get my debt under control the right way. You took the time to guide me step by step through the process. I am forever grateful! God bless you!
Response from the owner:Thank you so much for your kind words and for trusting us with your journey. We’re truly grateful you took the time to share your experience. Ray is dedicated to making sure every client feels informed, supported, and confident every step of the way, and it means a lot to hear that reflected in your experience. We’re honored to have been able to help you get your debt under control the right way. Wishing you continued success ahead. Thank you again, and God bless!
I wasn’t sure what to expect but I read the comments and the feedback and decided to give it a try. I wanted to ask for Ray but I was blessed enough to get him on the phone when I called.
He not only helped me but guided me, made sure I understood everything and walked me through every step. I highly recommend him and this company ! The are truly changing lives.
Ray is awesome! I wanted to highlight that 🙂
Response from the owner:Thank you for trusting us and giving us a try! We’re so glad you were able to connect with Ray—he truly cares about guiding clients and making everything clear and comfortable. We appreciate your recommendation and kind words. And yes, we agree—Ray is awesome! 😊
Ray Foster listened to my concerns about my credit situation. Using his expertise and experience, he helped me lower my payments and in doing so gave me more breathing room each month. Thanks to Ray’s help, I’m feeling more secure about my finances and look forward to my credit situation improving steadily.
Response from the owner:Thank you so much for your thoughtful review! We’re glad to hear that Ray was able to take the time to truly understand your situation and provide a solution that gives you some much-needed breathing room each month. That’s exactly what we strive for—real, practical help that makes a difference. We appreciate you trusting us with your financial journey, and we’re excited to see your continued progress. If you ever need anything along the way, we’re always here to help!
Ray was a pleasure to work with in assisting us in getting a manageable payment plan and interest rates on my credit cards and my husband’s cards. His communication was excellent throughout the entire process and he made sure to respond right away to all of our questions and concerns right away and even after hours. I would highly recommend Reliant to help manage cc debt.
Response from the owner:Thank you for your thoughtful review! We’re glad Ray provided such great service and helped create a manageable plan for you both. We appreciate your trust in Reliant and are always here if you need us.
I was looking to reduce my credit card debts and was checking different companies and wanted to find one that offered the options that I was looking for. While doing extensive research, I came across Reliant Management Solutions and they were being given high recommendations and ratings. I read what their company was about and to see what services they offered and how they could help me in my debt solution. I contacted Reliant Management Solutions and spoke to Ray, my Customer Representative, and explained my situation then he offered me a Debt Solution Program to which I was able to consolidate my debts into monthly payments that were more affordable and fit into my budget. The customer service I received was extremely helpful and I couldn't be more satisfied and they were very quick in handling my solution. I highly recommend Reliant Management Solutions if you are in need of a Debt Consolidation!!
Response from the owner:Thank you so much for your kind words! We’re glad Ray was able to provide a solution that fits your budget and make the process smooth for you. We truly appreciate your recommendation and are here anytime you need us!
I had a wonderful experience with Reliant Management Solutions. They helped me to restructure my debts which weighed me down. Ray,my advocate was very professional and patient. His service was quick and efficient without any glitches. I can't thank Reliant Management enough for helping me through a very difficult time. I ended up saving $500 a month which really helped me.
Response from the owner:Thank you so much for your kind words and for trusting Reliant Management Solutions during such an important time in your life. We’re truly grateful you took the time to share your experience. We’re especially glad to hear that Ray provided the level of professionalism, patience, and efficiency we strive for with every client. It means a lot to know the process felt smooth and stress-free for you. Most importantly, we’re thrilled that we were able to help you restructure your debt and achieve a savings of $500 per month—that’s a huge step forward, and you deserve it! Thank you again for allowing us to be part of your journey. If you ever need anything in the future, we’re always here to help.
I spoke to many companies and finally I found a company who offered me a real solutions. Everyone else told me debt settlement is the best way which was a LIE. This company never lied to me and I am going to be debt free with out falling behind on my payments. Thank you so much for all of your help!!
Response from the owner:Thank you for choosing us and your review!
Ray was excellent at explaining the process and making it easy to understand everything that i needed to move forward. Previously, I had made arrangements with another company where the process was complicated and I did not feel was the best solution to solving my financial problems. I'm very happy I found Ray and Reliant Management Solutions!!!. Outstanding!!!
Response from the owner:Thank you so much for your kind words! We’re thrilled to hear that Ray was able to clearly explain the process and make everything easy to understand—that’s exactly the experience we strive to provide for every client. We know how overwhelming it can feel when previous solutions don’t seem like the right fit, so it means a lot that you trusted Ray and our team to help guide you in a better direction. Welcome to the Reliant Management Solutions family—we’re excited to be part of your journey toward financial freedom!
Absolutely the best business relationship for finding better debt free solutions. Would highly recommend. Very clear communication on the process!!
Response from the owner:Thank you so much for your kind words! We truly appreciate you trusting us to help you find a better path toward becoming debt-free. Clear communication and transparency are very important to us, so it means a lot that you noticed that. We’re grateful for the recommendation and are always here if you need anything!
Reliant thank you for everything. I initially spoke to a debt settlement company to get help and after I spoke to them I just didn't feel right because they wanted me to stop making my payments.

I then came across someone who was speaking highly of them in a Facebook group and I decided to reach out to them. The absolute best decision I made. I minimum payments dropped almost 1,000 dollars. My interest rates are around 4% fixed. I couldn't be happier. Thank you all for everything.
Response from the owner:Thank you so much for your kind words! We truly appreciate you trusting Reliant to guide you through this process. We’re so glad you felt comfortable with our approach and that we were able to significantly lower your payments and secure those reduced fixed rates for you. That kind of relief is exactly why we do what we do. Thank you again for choosing us — we’re always here if you need anything!
Ray was very transparent through the whole process, walked me through all the steps and ensured that I felt comfortable with the decisions I was making. There was never any pressure, just honest guidance and support.

2 months since I started using them my monthly CC payments are down by $500, the interest is less than 10% on all accounts - so my payments are actually making a dent, and my credit score is up 40 points. Great decision to use them. Way better than debt consolidation or forgiveness. I finally see a light at the end of the debt tunnel. Highly recommend!
Response from the owner:We truly appreciate you taking the time to share this. Ray is dedicated to making sure every client feels informed, comfortable, and supported, so your feedback means a lot! Congratulations on the progress you’ve made—lower payments, better interest rates, and a stronger credit score are huge wins. Thanks again for trusting us to be part of your journey!
The process was easy but informative. Took a lot of stress off me. Talk to them before Debt Settlement or Relief. This is not that. Ask for Ray.
Response from the owner:Thank you so much for your kind words. We’re really glad the process felt both easy and informative and that we could help take some of the stress off your shoulders — that’s exactly why we do what we do. We appreciate you pointing out that our approach is different from traditional debt settlement or relief programs. Education and the right strategy make all the difference. And thank you for the shout-out to Ray — we’ll be sure he sees this!
Calling RMS Was a breeze.
I learned of the program through a FB post that mentioned the program RMS provides helped get someone out of debt faster and at a lower fixed interest rate and that the staff was very helpful.
I was hesistant at first but I called the next day and I spoke with my agent Ray, who from the beginning helped me throughout the process, explained everything, and did all the calling. It was a little process and took some understanding but we got it squared away.

It's not a free service but the payment from their services is very doable and fair.

I would recommend this to anyone who is looking to pay off their debt quicker and at a lower rate.
Response from the owner:Thank you for your thoughtful review! We’re so glad you gave RMS a chance and that Ray made the process clear and manageable. Your trust and recommendation mean a lot to us—please reach out anytime you need support!
Very knowledgeable, professional, and offered real solutions .Had a great experience, all questions answered and kept all scheduled times and appointments!! Highly Recommend.
Response from the owner:Hi Mrs. Tunica! Thank you so much for the kind words! We truly appreciate you taking the time to share your experience. It was a pleasure working with you, and we’re glad we could provide clear answers and real solutions while keeping everything on schedule. Your recommendation means a lot to us, and we’re always here if you need anything in the future!
I am so thankful to Ray for helping me. What stood out most was his personal approach. He didn't treat me like just another account - he listened, explained my options clearly, and helped negotiate lower payments that fit my budget. It's made a huge difference in my day-to-day life. I'm incredibly grateful for his help.
Response from the owner:Thank you so much for your kind words! We’re grateful you trusted us, and we’re thrilled to hear that Ray’s personal approach made such a positive difference for you. Your success truly means everything to us!
Reliant is hands-down the best option out there. I was wary at first after talking to other companies that wanted me to stop making payments and ruin my credit, but Reliant’s approach was different. Their program is simple, honest, and supportive.

I especially appreciated that there were no upfront fees or hidden technicalities, everything discussed in the initial consultation remained true until the end. If you want an ethical company that stands by its word, this is it.
Response from the owner:Mr. Sims. Thank you so much for the kind words! We’re glad our honest, credit-friendly approach stood out and that everything stayed exactly as discussed. We truly appreciate your trust and support.
Ray was such a great person helping me through my situation Reliant Management solutions is such a great company making Great results please check with them before doing anything to make maters worse Thank Again Ray and Reliant Management solutions
Response from the owner:Thank you so much for your kind words! We truly appreciate you trusting Ray and Reliant Management Solutions. We’re glad we could help and wish you nothing but the best moving forward.
Ray is truly a man of his word—direct, straightforward, and extremely informative. He combines professionalism with the comfort of someone you’ve known for years, making the entire process smooth and stress-free. He helped me lower my interest rates as well as my wife. Ray was completely honest about each company and gave us realistic timeframes to expect. I highly recommend Ray and Reliant Management Solutions to anyone seeking exceptional service—they genuinely prioritize your best interests over just getting paid.
Response from the owner:Thank you so much for your thoughtful and detailed review! We truly appreciate you taking the time to share your experience. Ray is committed to being transparent, informative, and putting our clients’ best interests first, so your words mean a great deal to us. We’re glad we could help both you and your wife and make the process smooth and stress-free. Thank you for trusting Reliant Management Solutions and for the strong recommendation—it truly means a lot to our team.
Ray was such a pleasure to work with! He helped my husband and me navigate our high interest rates, and we honestly couldn’t be happier with the outcome. From the very beginning, he was patient, honest, and determined to get us the best possible deal. He kept us updated every step of the way, which gave us so much confidence and peace of mind throughout the process. You can truly tell that Ray genuinely cares about helping people—not just getting the job done. Thanks to him, we finally feel relief and a sense of security. We’re incredibly grateful for his help and would highly recommend him to anyone looking for someone trustworthy and truly dedicated.
Response from the owner:Thank you so much for the kind words and for trusting us with such an important matter. We’re truly grateful you took the time to share your experience. Ray takes great pride in being patient, transparent, and committed to achieving the best possible outcome for his clients, so your feedback means a lot. We’re so glad to hear you and your husband now feel relief and peace of mind. Thank you again for the recommendation and for choosing Reliant Management Solutions—we sincerely appreciate you.
Ray Foster did a fantastic job on my case. He is professional, engaging and explains everything in a direct manner. I would highly recommend Ray and Reliant to anyone looking for help in dealing with debt.
Patrick
Response from the owner:Thank you for your kind review. It was a pleasure working with you, and we appreciate your trust and recommendation. We will tell Ray about this review!!
I just got finished with Reliant Management Solutions and I can tell anyone who reads this that they are way to go. Ray who was my person of contact was incredible. He walks you through every step of the process and talks with your creditors to reduce whatever you have . Thanks Ray
Response from the owner:Thank you for your kind review. Ray is one of our best here! We are so glad you had a great experience. Also thank you as well because without people like you choosing us, there will be no Reliant. So thank you!!!
Ray is highly supportive and knowledgeable, providing a stress-free experience that enables me to overcome debt.
Response from the owner:Thank you so much for your kind words! We truly appreciate you taking the time to share your experience. It means a lot to know that our support and guidance helped make the process stress-free and put you on a clear path to overcoming your debt. Have a blessed year!
This has been one of the best experiences I've ever had. I've been through debt consolidation twice and neither lived up to their hype or did what they promised. Ray Foster has been upfront with everything Reliant offers and only makes promises that he knows he can keep. And the process is so easy. Ray and his team do all the work. For anyone in need of financial assistance, I would definitely recommend Reliant Management Solutions and Ray Foster!
Response from the owner:Thank you so much for taking the time to share this amazing review! We truly appreciate your trust and kind words. We are grateful you gave Reliant Management Solutions the opportunity to help, especially after your past experiences. Transparency and keeping our word are extremely important to us, and I’m glad that came through during your debt free journey. Your recommendation means a lot to Ray and our entire team.
Spoke to Ray and gave him information about my situation and he was very helpful and informative of an alternative route.
Response from the owner:Jessica thank you very much for leaving us a kind review. Glad you had a good experience with Ray! He is one of our best. Have a blessed year!
Outstanding customer service !!!!Rey is very knowledgable and compassionate .He kept me posted with all updates.He is absolutely amazing to work with.Highly recommend this company!!!
Response from the owner:Thank you for your review Val! We are happy you had a great experience with Ray. Thanks again!!!
Ray Foster is freaking amazing! He genuinely cares and wants to help his customers. He made me feel like he was actually listening to me and hearing my wants and concerns. Ray is top notch!!
Response from the owner:Jennifer thank you sooo much for your kind review!! We are glad you had a great experience with Ray and thank you for trusting us to getting you on the road to debt freedom.
I wish I would have found you guys sooner! Thanks for helping me avoid bankruptcy. I highly recommend this company.
Response from the owner:We are happy you found us and had a great experience. Thank you for your kind review!
Ray was so helpful, SUPER knowledgeable, compassionate and very understanding of my situation. He and Mary are truly dedicated to helping others, and it shows! Five stars, and VERY highly recommended!
Response from the owner:Thank you so much for your kind words! 🌟 We’re thrilled to hear that Ray and Mary were able to provide you with the support and understanding you needed. Helping our clients find relief and clarity is always our top priority, and your recommendation truly means the world to us. We’re so happy you had a 5-star experience! 🙌
Response from the owner:Thank you for your review!
Response from the owner:Thank you for your review!
Outstanding customer service. Program is the best out there for getting control of your debt. Phone calls stopped immediately after I enrolled in the program. Ray is the best! Such a great feeling to finally be in control of my debt.
Response from the owner:They you very much for your kind review! I will let Ray know. Glad we could help. Have a blessed year!!
I had a great experience with Reliant Management Solutions. Ray, was very knowledgeable and explained the whole process to me. He answered all of my questions and kept me posted with any updates on the program. He provides prompt and efficient services. I'm so grateful for all of his help. I've already recommended his services.
Response from the owner:They Emily for the kind review. Ray is one of our top advocates here and we appreciate you taking your time to leaving us a review. We are glad you had a great experience and thank you for the referral!! Have a blessed year.
I just wanted to let you guys know that you are very professional. Everything that you guys did for me was has helped me tremendously. My credit card minimum payments were so high and my interest rates were almost 30 percent. its blows my mind that Bank of America and chase would not help me and kept blowing me off every time I called.

Thank you all of getting me a lower payment and a much much better interest rate. I will tell others these guys are for real. They get the job done fast and they are good. Thanks John for all your help.
Response from the owner:Thank you very much for your review and we are glad we could help.
Encontrar a RMS me ayudo mucho. Tenia pagos que se me estaban complicando cada mes. Ray me dio opciones sin nunguna presión o sin ningun compromiso y respondio cada una de mis preguntas. Los recomiendo y si no hablas ingles igual tienen a Mary que es parte del equipo y habla español. No importa que tan pequena sea la deuda si te esta quitando el sueño dales una llamada que no te vas arrepentir. Gracias a Ray Foster por tenerme tanta paciencia.
Response from the owner:Mrs Betsy thank you very much for the kind review!! It was our pleasure to assist you. This is the reason why we created this company. Thank you for relying on Reliant! Have a blessed year!
I am very happy to have found this company. From my first email to request information, the attention was fast and better than I expected. On the first call I had many questions and each one and even more were answered no matter how late it was since it was late in the afternoon. I felt very comfortable and decide to let them help me with my debts. Before I found this company I wasn't in peace thinking about how to resolve my debts but wow! I recommend them 100%. Ray was super punctual on every call and respected my schedules. He is super professional and was very patient with me. They really work with you. Don't think twice about it and call them. They also have Mary who speaks Spanish. Please give yourself the opportunity to call them and let them help you with your debts. Thank you so much Ray and the Reliant Team because now I can focus on paying my cc debt without those hight interest that were killing me. I'm truly a very happy customer. Thank you Ray Foster!!!
Response from the owner:We are pleased that you had a great experience with Ray and Mary! We are very grateful that you gave us the opportunity to assist you. We pride ourselves in customer service, transparency and putting the clients needs first. Ray spoke highly of you and we couldn’t have had a great customer to work with. Thank you again for reaching out to us and enjoy those low fixed rates! Have a wonderful day! From the entire Reliant Team Thank you Betsy! Have a wonderful year.
First I want to say I tried to contact my credit card company to get help but they consistently told me there is nothing they can do to help. So frustrating. My payments were so high and let’s not talk about the 29% rate they had me at. Oh I almost forgot my credit card company did lower my rate from a 29 to a 27. Like really.

So I came across a few companies that I spoke to and Reliant Management Solutions seemed to be the most trustworthy. Boy I am glad I did. I don’t like writing reviews but I have to tell my experience. My chase rate dropped to a single digit fixed rate and I am super happy. But most of all my payment dropped almost in half. I didn’t think it was possible to get help without destroying my credit. Most of the companies I spoke to wanted me to do debt settlement and I refused to go months or a couple years of not making payments.

Ray, Mary and others at the company did a job well done and I will refer anyone to them bc the results was done within a week and I IMMEDIATELY seen relief. Thank you all for helping me. I can now have money left over to treat my kids somewhere.
Response from the owner:Glad we could help. Thank you for the review! Enjoy your low fixed rates.
Best customer service and I got my results fast!
Response from the owner:Thank you very much Ana for your kind review!
Stellar service. From the time i signed up all the way to them doing the work I couldn't have asked for better results. Thank you jason for assisting me with my debt. He is the real deal.
Response from the owner:Thank you Richard for choosing us to help you. We will let Jason know. Thank you. Have a wonderful year!
From start to finish they did a superb job in helping me get out of my credit card debt nightmare. Thank you all and i hope i dont be back.
Response from the owner:Hey Eric. Glad we could help with your credit card debt. Have a good one.
Ray Foster é um excelente profissional. Fui muito bem atendida desde a primeira ligacao. Ele é uma pessoa honesta, preocupado com o cliente. Estou muito feliz e grata com o servico prestado por essa companhia. Obrigada 🙏
Response from the owner:We are grateful that you had an excellent experience with Ray. We thank you for choosing us and trusting us to help you. Have a wonderful rest of the year! Thanks again for your review.
Reliant Management Co. I just gotta say What and outstanding job you have done for me on my dept problem. I will surely recommend your service's to all I know. Thank You, I surely Appreciate all.
Delmar Mota
Response from the owner:Thank you Delmar for your kind review. It was a pleasure serving you and have a wonderful rest of the year!
He was so awesome and helpful any problem he fixed didn't have to worry he was there will always recommend him and the company to any one that's needed help.
Response from the owner:We are happy that we were able to assist you and thank you as well for your kind review! Have a blessed year.
Working with Ray at Reliant Management Solutions has changed my life for the better! He is extremely knowledgeable and very compassionate. He was able to decrease my credit card debit tremendously and has taken a huge weight off of my shoulders. It feels so good to be able to work with a person and company who truly has my best interest and delivers results. Thank you Ray for all you do!!
Response from the owner:Thank you for your kind words. Glad we could get that credit card debt weight off your shoulders. Thank you for choosing us to get the help
Very professional staff and they listened to my problems. Guess what I called my bank and they told me they could not help me which is ridiculous. My interest rate with Chase was 28% and they wanted me to call a third party company that they worked with and said they could help me. So let me get this straight. You can’t help me but a company that you work with can on the debt that i have with chase!!! No thanks. I was so frustrated. I am not sure how I found this company but I was able to get my rate in single digits fixed and a lower payment. Thank God. Mary, Ray and the Reliant team thank you very much and I will tell my friends about this company!!
Response from the owner:Hi Sandy! Ray talked so highly of you. We were happy to assist you. Glad we could get you that low fixed single digit interest rate. Thank you for relying on Reliant. Have a wonderful year!!!
Working with Ray has been a game-changer for my financial situation. Their expertise, patience, and personalized advice have given me the confidence and clarity I needed to make informed decisions. I now feel more secure and optimistic about my financial future. Highly recommended!
Response from the owner:Glad we could help! Thanks for the review.
This company exceeded my expectations for assistance me with my financial goals. They were very efficient with their turnaround in a short period of time.
Response from the owner:Thank you much Charles. Glad we could help. Have a great rest of the year!

Does Any of This Sound Familiar?

  • Do you feel ashamed of your debt, and have to hide your true situation from others?
  • Are you drowning in debt, yet continuing to spend money that you know you don’t have?
  • Are you living paycheck to paycheck, one expected expense away from financial collapse?
  • Do you have a spending problem where as soon as you get any money it’s spent?
  • Are your interest rates and minimum payments so high that you do not see a way out of your financial hardship?
  • Do you spend more than you should to keep up appearances?
  • Are you driving a BMW when you really should have bought a Toyota?
  • Do you try to compensate by picking up other people’s tabs when you can’t afford it?
  • Are you awake at night, sleepless, and stressed about all your bills?

Not Sure What's Next?

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Speak to an expert now at 407-789-1447 to discuss your debt free plan.

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Email us at info@Reliantmsolutions.com for more information on becoming debt free.

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