Toll Free line - 1-877-477-2045
We now have a toll free hot line it takes a few minutes and it’s FREE to ask us any questions you may have.  Find out today, start your road to recovery now.

What is credit card debt consolidation?

This consolidation involve restructuring your existing balances with your creditors. A professional counselor contacts your existing creditors on your behalf and negotiates more favorable repayment terms and conditions for you.

What are the benefits of this program?

The consolidation process results in lower monthly payments, reduced interest rates, and elimination of over-limit fees. You make one convenient monthly payment and the debt counselor agency disburses all funds to your creditors. Moreover, the payoff term is drastically reduced. Money is not loaned under this program.

How can Credit Counseling secure lower payments for me?

Credit Counseling agencies have established relationships with major creditors across the country, both large and small. Creditors are typically willing to work to facilitate the repayment of money owed by lowering monthly payments and reducing or eliminating an individual's interest rates and late fees.

Should I consider filing for bankruptcy instead?

Bankruptcy is usually the last resort you should want to take in solving your financial problems. Many individuals aren't even aware of the consequences this can cause. Bankruptcy can stay on your credit report for at least 7 years. Future creditors more than likely won't even consider extending credit to someone who has filed bankruptcy. Debt consolidation is your best and safest alternative if you're considering bankruptcy.

What type of debt can be consolidated with Counseling?

All unsecured debt can be successfully consolidated with Credit Counseling. all cards, unsecured loans, student loans, medical bills, past-due utility bills, department store cards, and collection accounts are examples are debts that can be consolidated.