Debt Consolidation is the most benign and responsible way to seek debt relief when suffering a financial crisis. You will be able to consolidate all your unsecured debt (credit cards, medical bills, certain personal loans, collection accounts, etc.) into one convenient monthly payment.
In most cases, we can drastically reduce your interest rates. On average, the creditors can reduce your rates to anywhere from 4% to 9%. Some creditors actually eliminate interest all together. If you have fallen behind on your payments, most creditors will bring your account back to a current status once all of the program benefits are in place. Additionally, the reduction in interest means less money in the creditor's pocket and more money in yours. Most of our clients are debt free with an improved credit rating years earlier through the program than they could on their own.

Consider the following:

• You must be able to afford your new monthly payment through debt consolidation.

• You know that you cannot get out of debt making minimum payments at high interest rates.

• You are not purchasing a major asset within the first year of your program (auto/home loans).

• Credit Management through consolidation is not factored into your credit score (see www.myfico.com for details). So your credit score will not be affected.