Debt Consolidation FAQs

How it Works >>

Do I qualify for debt consolidation?

If you have over $2,000 in non-secured debt and are over 30 days behind on at least one bill, debt consolidation can help you.

Our typical client has:

A monthly income of $1,835

Monthly fixed expenses of $1,108

$9,314 in unsecured debt

More than 2 creditors

What types of debt can I consolidate?

Major credit card debt

Department store cards

Hospital & medical bills

Car loans (even repossessions)

Personal loans

Gas cards

Other unsecured debt

If your situation fits with what is described above, apply now and see how we can help you!

What is debt cosolidation?

Debt Consolidation is a structured program that satisfies your creditors and gets you back on the track to financial stability.

How does debt cosolidation work?

A credit counselor will work with you and your creditors to put together a consolidated monthly payment that works for you and satisfies your creditors. In many cases your total monthly payment, interest rates, late fees and even principal owed can be greatly reduced. Complete our quick and easy application to get an estimated monthly payment and see how we can help you. More on How Debt Consolidation Works

Do all of my debts qualify?

Almost any type of unsecured debt - credit cards, medical bills, department store cards, lines of credit, gas cards, collection accounts and taxes qualify.

Do my creditors participate?

Nearly every major creditor will participate in a consolidation program. Credit unions, banks, department stores, collection agencies, hospitals and state and federal governments are just an example of who participates.

What will I have to pay?

You will make one monthly payment to your debt management agency, who will in turn make payments to your creditors on your behalf. Your creditors will then be dealing strictly with the agency and will no longer contact you.

Will my credit rating be affected?

In exchange for receiving regular payments, most creditors are willing to reduce interest rates, eliminate late fees and report accounts as current with the major credit reporting agencies.

How do I get started?

Take a couple minutes to apply now and you could be working with a debt management specialist straight away, and on your way to a debt free future!

How it Works >>