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Debt Consolidation
Questions
What type of debt can you consolidate?
In general, unsecured debt like credit cards, medical bills, personal
loans, old utility bills, back taxes etc. We do not, however,
consolidate secured debt like mortgages, car loans and any other type of
debt that involves titles or liens.
How long will I be enrolled?
It depends on your individual circumstances. In general, our clients get
out of debt years sooner than those who try on their own. This is
accomplished through interest rate reductions, elimination of late fees
& penalties, and a lower monthly payment.
Will my creditors work
with you?
We have relationships with thousands of creditors nationwide.
Creditors are willing to work with a
program
like ours because of the success we've had in helping people just like
yourself in resolving their credit issues. As a matter of fact, many of
our clients are referred by the creditors themselves. If you have one
that's uncooperative, give us their number. We'll help enlighten them.
Can I pay extra each
month to get out of debt sooner?
You certainly can. Our flexible spending plan allows for extra
monthly payments. As a matter of fact, by paying off early you save even
more.
Will creditors stop
calling?
Yes. Once enrolled in our spending plan, your timely payments
will keep your creditors satisfied.
Do I have to give up all
my credit cards?
In general, no. You may include only those credit credit cards you wish
to consolidate.
Do you report to the
credit bureaus or my employer?
No. Our dealings are directly with you and your creditors.
How does your program
differ from chapter 13?
Our program is voluntary. With a chapter 13, or Wage Earners Plan, you
will have to deal with attorneys, creditors, judges and court
appearances. You will also have to pay attorneys and court fees and cede
control of your finances to a Trustee. Since filing bankruptcy is a
civil proceeding it becomes a matter of public record. Through our
program, it's strictly between you, us and your creditors.
How do I get started?
You can click
here now and fill out our simplified online form and receive your
free consultation within 24-48 hours.
Free
Debt Consolidation Consultation
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