Credit and Debt Counseling

Credit and Debt Counseling can help you restructure your bills and make a payment plan that can cut years and thousands of dollars off your long-term debts like Credit Cards, Utility Bills, IRS Taxes, Student Loans, Medical Bills Unsecured Personal Loans etc..

• Credit and debt counseling can reduce your monthly payment up to 57%!
• Credit and debt counseling lowers your interest rates making your payments more effective!
• Stop creditors now with debt relief counseling!

Debt Relief Counseling

What is debt relief counseling?

Simple. It is a way to eliminate debt without resorting to bankruptcy. When a consumer applies for credit card debt relief, they receive reduced minimum monthly payments. Usually this reduction is quite drastic, sometimes on the order of 57%! This frees up the extra cash necessary for a consumer to pay his or her debts without negatively impacting his or her quality of life.

How does debt relief counseling work if the payments are so much smaller?

There are two main benefits that make debt relief possible with such low payments. The first is a corresponding reduction in your interest rates. This concentrates your payment towards your balances, rather than frittering the money away on interest.

The secondary benefit is an elimination of "nuisance fees" that further allow a concentrate of your payment towards your balances. These fees which are eliminated when you consolidate credit card debt are those annoying late fees, over the limit fees, and finance charges that seem like they exist solely to keep your payment from being effective.

Another advantage to debt relief counseling is insulation from your creditors. When your creditors realize that you are undergoing a credit card debt management plan they will redirect all of their inquiries to the debt counseling company rather than calling you.

As you begin to get out of credit card debt they will even request that the credit bureaus "re-age" your accounts. This means that the credit bureaus will reclassify your accounts as current/never late, thereby improving your credit rating.

Learn more about debt relief counseling by completing our online form.

Non Profit Debt Counseling

Our bill consolidation and non profit debt counseling can help you lower or eliminate your interest rates saving you thousands – and get you out of debt up to 80% faster.

• Eliminate High Interest Rates.
• Stop Harassment.
• No Credit Checks.
• One Easy Monthly Payment.
• Re-establish Positive Payment History.
• Bring Late Accounts to Current Status.

Our bill consolidation and non profit counseling programs can offer you all the above and more.