Debt Counseling

Debt Problems? You are not alone! People are in debt for many reasons like unemployment, a prolonged illness and many more hardships. For whatever reason, people who are in financial difficulty often need professional guidance.

Almost always, people who have a financial crisis panic and declare bankruptcy. Sometimes people make a long-term loan that does not resolve the problem. Or even worse, many people simply ignore the problem until it is too late.

There are many cases in which we can design a solution to lessen emotional and financial stress. Most often, the best solution is to join a debt consolidation program.

We have established a relationship with most lenders and credit card companies, who agree to lessen or eliminate interest and other surcharges for late payments that you may have. This monthly payment in most cases will be much less than what you pay for each individual account.

We work directly with creditors. We immediately contact them and negotiate , thus resulting in smaller monthly payments and interest rates.

Bankruptcy ruins your credit. Most financial institutions do not even look at a credit application you make without having spent 3 to 5 years improving your credit after the bankruptcy.

If you fall behind on payments for a while there is no need to worry. All you need to do is contact our customer service department and our representatives will explain the steps necessary to bring your account to good standing. It is very important that you continue to make consistent and timely payments. Such incidents can result in the creditors terminating our agreement, the interest rising, and receiving harassing calls from collection.

In general, anyone who can’t pay the minimum on their debts should consider a debt consolidation program. There are many other signs of potential financial trouble. If you are currently behind on some or all of their payments, there is hope in your financial situation!

Many creditors will put their accounts up to date shortly after you start the consolidation program. Usually two or three consecutive payments bring your account current no matter how backed up it is. If your account is in collection, or has a claim against it, we can still set up reasonable payments.

All major creditors participate in a debt consolidation program, for example, unsecured debt, credit cards, hospitals, doctors, store cards, student loans, taxes, federal tax agencies, personal loans, finance companies , and all types of unsecured debts.