Bruins Capital offers debt consolidation by mailer and website. They are not BBB (Better Business Bureau) accredited. They have a PO Box as an address and no obvious parent company information. Their reviews are also not on established websites. The send out mailers and try and trick people into signing it. They seem to work with real lenders but are not a lender themselves.
One example we found is they’d lend $33,000 with a monthly repayment of $124. This means it would be a loan for 22 years and that isn’t including any interest. Other reviews noted they send out unsolicited mailers and emails and ask for social security numbers (which you should not give out) to remove you from mailers.
Their customer service number also charges to call them and their site has this worrying notice:
“You understand that your consent is not required as a condition to use this service.”
So we’d highly recommend avoiding Bruins. They are much less shady lenders you can work with.