debtconsolidation

Benefits of debt consolidation are:

Get the convenience of one monthly payment...
Reduce your interest rates down to 8%-10% on
average...
Selectively put the credit cards you want on the
program...
Stop late fees and overlimit fees...
Stop harassing phone calls...
Gain the peace of mind knowing that you are paying
back your debts...

If you are making credit card payments you deserve to be informed. You
have options and we provide you with the information for FREE. Learn
how to pay less interest, stop harassing phone calls, and get out of debt
without bankruptcy or getting a second mortgage. Debt consolidation
offers you relief from credit card debt, personal loans, and payday loans
by working with your creditors to reduce your interest rates, eliminating
late fees and overlimit fees, and giving you the convenience of one
monthly payment for all the accounts that you put aboard the program. It
does all this while preserving your payment history with your creditors.
In some cases we can reduce your monthly payments. Program length
averages 48 months or less depending on the amount of debt that you
owe. Some restrictions apply. Ask your counselor if these restrictions
apply to you.

Click HERE to see our
client's statements
BEFORE the program

Debt Consolidation

C ontact u s n ow for a free
consultation
888-541-1112 Ext. 1

Proud members and
supporters

Frequently Asked Questions

Q. How long will it take to pay off my debts aboard the program?
A. The program length does depend on the amount of debt you have but
it never exceeds 60 months. Average clients are out of debt in 48 to 52
months.

Q. How will this affect my credit?
A. If you are at high interest rates the creditors have already established
that you have become a high risk account, therefor they raise your
interest rate. Creditors spend millions of dollars to study consumer
spending behavior and usually know that you are in trouble before you
realize it. Creditors pull your credit reports on a scheduled basis which
are called "soft inquiries". This allows them to see your whole credit
profile to check if you are making on-time payments to the other creditors
that you owe. If you have made late payments on other accounts they
have the legal right to increase your interest rates with them because
they also clearly state this in their cardholder agreement with you as well.
This program helps you to reduce your interest rates low enough so that
most of your monthly payment applies to your balance instead of the
creditors pocket. If you are behind in payments the creditors will bring
you "current" on your credit report after you have made several
payments and this will improve your credit rating.

Q. Can I still use my cards when I put them on the program?
A. No. The whole point of the program is to get you out of debt not
further into debt. You are required to close the accounts yourself or the
creditors will close them once you come aboard.

Call us now...
Our credit counselors are always professional and resourceful
and we have access to a wide range of financial services. In most
instances if we cannot help you, then we can refer you to a
christian professional who can. Your confidentiality is our
primary concern and we do not share your information with any
sources.

Certified thru
National Association
of Certified Credit
Counselors