Debt Consolidation - Credit Counseling Services
Why shouldn't I file for bankruptcy?
Most people file bankruptcy to escape bill collectors. We offer a safe and sound alternative to bankruptcy. As with most people interviewed, surveys show most people would rather not file bankruptcy. By enrolling in our credit counseling program, our satisfied customers are able to avoid the bankruptcy mistake.
What exactly is unsecured debt?
Unsecured debt is when a creditor holds no collateral. For example, an unsecured debt is usually in the form of: credit cards, department store cards, medical bills, and gas cards. No form of collateral such as a home or car was utilized to secure the "loan" for services rendered or goods received. With a secured loan, and as a precaution against "default" (non payment) what is used as "collateral" for the loan could be liquidated.
When will my first payment be due?
When you enroll in our debt management program, you have a choice to pick the payment date that's best for you. You may choose any day from the 1st to the 30th of every month, keeping in mind that your first payment will be due within the first 30 days after enrollment.
Can I still use my credit cards?
Since your creditors know you have a sincere desire to get out of debt, usually the accounts that you have included in your debt management program are either frozen or closed until you are debt free.
- May Cut Payments up to 70%
- Make One Low Monthly Payment
- Elimination of past-due collection calls
- Account re-aging
