A counselor will work with you

Your counselor will review your credit and budget information to arrive at a repayment plan that will either be a debt consolidation loan program or a debt management program. Most other companies in the industry simply offer debt management programs. These agencies offer debt consolidation programs, debt management programs, or a combination of the two. This is what separates them from the competition and what will get you out of debt in the shortest period of time!

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They negotiate with your creditors

If after discussing your financial situation with your counselor you decide to enroll in our debt management program, an agency will contact your creditors and negotiate with them to have your monthly payments lowered and your interest rates reduced. You then simply send one reduced monthly payment to them and they will distribute the funds to your creditors on your behalf. You will still receive your monthly statements, so you will see your balances dropping. If any of your creditors contact you, you can direct them to your counselor.

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You pay one easy monthly payment

After deciding which program will be the most beneficial, you will decide when you will be making your first payment to one of our agencies. You will have one easy date that will be your payment date every month. There will be no more different due dates to remember or budget for!

Simply keep making your monthly payments on time and you will be on the road to a better credit rating, stable finances and eliminating your debt! As a result of the benefits that they can achieve for you, you will be able to pay off your debt in much less time than you could on your own.

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