What is credit card debt consolidation?
A process where we utilize our non profit relationships with creditors to provide you with one low monthly payment, lower interest rates, elimination of late or over limit fees, and the ability to rebuild your credit FICO score. This enables you to save thousands of dollars as well as years of payments.

Do I have to have good credit to qualify?
No. As long as we have relationships with your creditors and you are able to make consecutive monthly payments toward your debts we can qualify you for our debt consolidation program and show you benefits that pertain to your individual situation.

How long will it take to pay off my debts?
This depends on your mix of creditors as well as your monthly payment. We do not charge a prepayment penalty. The faster you get out of debt the better for all parties involved. Most of our clients come in on a referral basis.  Any additional funds you send will be applied directly to your principle and will result in you saving even more money on the reduced interest charges.

Do I have to give up all of my credit cards?
No. Unlike many of the Credit Counseling Services available today, we will consolidate only the debts you ask us to. You can leave out one major credit card for emergencies or more than one, depending on which creditors you consolidate.

Do you provide loans?
No we do not provide loans. We provide a budget counseling and debt consolidation service which will allow you to satisfy your current debt obligation by consolidating and without incurring more debt, saving on creditor fees with reduced interest and the waiving of past due and late fees.

Can debt consolidation help to improve my credit?
Yes! By reducing the amount of debt you owe, known as your debt-to-income ratio, can help to make you more appealing to the lenders. As well as if you are behind in your debts re-aging of your accounts will show you as current once again, a positive affirmation that is 35% of what influences your credit score on a monthly basis.

What type of debts can you include in consolidation?
Almost any unsecured debt can be included. Credit cards, personal loans, medical bills, student loans, IRS, old utilities, closed cellular accounts, and collections, as well as other unsecured debts. Ask a certified credit counselor about what types of debts you have to further assist.

Can you consolidate things like a home mortgage or a car loan?
No, we work only with unsecured debt. Unsecured debt is not backed or underwritten by an asset like a home or car. A mortgage or car loan is considered a secured debt, in which proprty can be seized if the debt is not paid for an extended period of time.

Do I have to include all my debts in consolidation?
No. With our company you have the ability to tailor the consolidation that fits your needs best. Unlike others, our non profit service does not mandate which debts you include.

Will my creditors continue to call once I start my debt consolidation?
No. Once we process your consolidation creditors and collection agencies stop calling you and deal with us directly. The only contact you should have is monthly statements from them showing your balances dropping as we accelerate you out of debt and the monthly payments posting that we make through our non profit agency. Here, you'll also see your reduced, fixed interest rates.

What happens after I fill out the FREE Application?

1. Your application will be forwarded to our processing dept. which will determine if a debt consolidation would benefit your situation.
2. A certified credit counselor will contact you within 24-48 hours and explain the cost and time length as well as the steps required to process your consolidation without any obligation on your part until you're confident in the services and understand the benefits outlined from your budget counseling session and free consolidation consultation.
3. Each month you will send one payment on a due date established with your credit counselor that fits around your other monthly obligatrions to us, we then disburse your funds utilizing the reduced interest rates and terms under our non profit services.

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