Debt Consolidation Credit Counseling: Debt Questions

A Debt Consolidation & Credit Counseling

Too many bills?
Trouble keeping up?
Behind?

Frequently Asked
Questions.

"How can we be out of money?
We still have checks."
MSN Money Central

How will your program help me?
Certified consultants will tailor-make a spending program to meet your specific needs, and help you get back on a manageable budget. Some of the benefits you will receive are:

* Reduced payments
* Reduced interest and finance charges
* Reduced creditor calls and waived late and over-limit fees
* Help on reestablishing credit

Will creditors work with your program?
Yes. Most creditors support our services ranging from Visa, Mastercard, Amex, Discover, major banks, finance companies and thousands of others in an effort to help you manage your finances. Since creditors have a vested interest in getting paid, most are willing to participate in our program like ours.

What happens during my Free consultation?
A Debt Consolidation Specialist will review your financial situation in a non-judgmental manner and provide possible solutions. They will make every attempt to help you develop a spending plan that covers your living expenses and payments to your creditors.

If I qualify, can I still use my credit cards?
Yes and no. Your creditors will close only those credit cards you choose to consolidate. After enrollment in the program, some creditors will reestablish your credit based on your current ability to pay and your payment history while still in the plan.

How does your program differ from Chapter 13 bankruptcy?
Our program is voluntary for both you and your creditors. In a Chapter 13 bankruptcy, creditors will be forced negotiate new payment terms. In some cases, the court may force an uncooperative creditor to accept new payment terms through a process called "cram down". The court will administer the plan through a Trustee who will have control of your finances. Additionally, in filing bankruptcy, you will have to make court appearances, go to creditor meetings, meet with lawyers and judges. Our program eliminates these steps.

What types of debt do you assist with?
Credit cards of all types: Visa, Mastercard, Discover, American Express, gas & department store cards. Other bills we work with: medical bills, personal unsecured loans, car repo's, old utility bills and other unsecured debt. If the debt involves a title or lien, like a car or mortgage, it cannot be included in your spending plan.

What is needed to get started?
You've already taken that first step by visiting our site. Simply Click Here to go to our creditor worksheet. Gather the bills you need to consolidate and list each one separately. Click submit, and you will be contacted in about 48 hours by a certified specialist who will go over your options.

Free Debt Consolidation Quote!