FREQUEENTLY ASKED QUESTIONS:

How does debt consolidation work?
You send us one payment each month. We then share out this payment between your creditors and pay them a negotiated amount. Your creditors are satisfied that you are trying to straighten out your debts and that they are receiving a regular amount every month. The benefit to you is that you now make only one payment each month at an amount that you can afford, and you are no longer being bothered by your creditors.

Can you stop collections agencies from calling and harassing me?
Yes, if collections agencies are still calling you after the first few payments, we may use the Fair Credit Reporting Act, a federal law, to make them stop calling. If collection agencies are calling you at work and jeopardizing your job, they may not be in compliance with the law.

How long does it take to pay off my credit card debts after debt consolidation?
Most people are able to get out of debt in 3 to 5 years after the interest rates on their debts have been reduced under a debt management plan. Debt consolidation can also reduce the total monthly payment amount.

Will my employer need to know?
No! We will not contact your employer or anyone else other than your creditors. All your dealings with us are entirely confidential.

How much will the debt consolidation program cost?
We charge a small debt management fee which is included in your monthly payment. Even with our fee, your monthly payments and interest are usually less than what you would have been paying under your original creditor's terms. Reasonably quick debt reduction and credit repair would never be possible if our debt consolidation program was expensive.

Can I consolidate the mortgage on my home and my car loan together with my credit card debts?
No. Only unsecured debts are considered for a debt management program. Your home mortgage and your car loan are secured by your home and car respectively as collateral.

How does debt consolidation differ from declaring bankruptcy?
The objective of bankruptcy is to absolve you of debts altogether. This financial strategy has serious and long-term drawbacks that affect your life for decades. For example, applying for life insurance, purchasing a business, buying a home, and applying for a job can all be negatively affected by a prior bankruptcy. Under a debt management plan, you repay your debt obligations. Thus, you can repair bad credit, maintain a good credit rating and return to a debt-free lifestyle quickly and without hurting your future.

Ready to change your life and stop the cycle of debt? Click Here to return to the Home Page and complete our 1 Minute Free No Obligation Application. We're here to help you!