If you have a question that's not covered here, then you can e-mail us for a prompt reply.

Q: Is debt consolidation the same as a loan?
No. We are not a mortgage company. If you have too much debt it is next to impossible that you would be approved for a consolidation loan, otherwise known as a home equity loan. Debt consolidation is a process where our professional team of debt counselors contact your creditors on your behalf to reduce your total unsecured debt amount, including monthly payments and interest charges.

Q: What is an unsecured debt?
An unsecured debt has no real or personal property attached to it. You enter into a contract with a creditor and promise to pay them back for property or services you obtained on credit. Types of unsecured debt include credit cards, department store cards, medical bills and personal loans.

A secured debt is an account that has real or personal property attached to it, an example would be a house or automobile. If you fall behind on payments, the lender has the prerogative of repossessing the property.

Q: Why would my creditors agree to lowering my payments?
It is worthwhile for creditors to accept new payment terms due to the fact that you become a risk to them when you're experiencing financial problems. Your creditors become concerned whether they'll receive their money back or not. Placing your accounts in collections causes your creditors to lose money. They get nothing if you decide to file bankruptcy. Our debt consolidation program restructures the payment terms between you and your creditors so that you are able to make regular payments. This is accomplished through a reduction in interest charges and a lowering of monthly payments. 

Q: Will the debt consolidation program affect my credit?
We do not report to any of the credit bureaus. Our debt consolidation service will actually improve your debt to income ratio and may therefore, improve that aspect of your credit score. Future creditors look favorably on our clients since they are making a concerted effort to resolve their debt through our consolidation program.

Q: Can you stop creditors from calling?
Yes. Once you enroll in our debt consolidation program, you will be able to refer all calls from creditors to our servicing center. Those collection calls will eventually stop. Our company promises to stop creditor harassment.

Q: Do I need to meet an requirements?
We don't run credit checks. Regardless of your credit, whether you're overextended or been late making your monthly payments, you will qualify for our debt consolidation plan. The only requirement is that you need to have at least $5,000 of unsecured debt you wish to consolidate.

Q: Can I add or remove a creditor once I am enrolled?
Yes. All you need to do is contact our client servicing center by phone or letter indicating your desire to add or delete a creditor.

Q: How do I get started?
It's easy. Simply complete our Free Online Quote Form . One of our professional debt counselors will review your financial information and contact you with a free debt analysis and consolidation plan that suits your budget. If you agree to the plan, our counselors will begin the debt consolidation process.

If you want to start saving money every month and free yourself from debt today then Get your Free Debt Consolidation Quote now! One of our trained counselors will be in touch with you within 24 hours to discuss your options and answer any questions you may have.