Unsecured debt consolidation
Do you consolidate all kind of debts?
No. We do not consolidate secured debts like car loan or home loans. But we consolidate all unsecured debts like credit cards, personal loans, medical bills etc.
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.
