Debt Consolidation • Debt Management • Debt Reduction


Customer Questions

In order to serve you faster, we have posted a list of our common customer questions. If you do not find your answer here, please feel free to contact us for the additional information you need.

Question: How far in debt do I need to be before I should look into debt consolidation? Normally, people look for debt consolidation help when they feel overwhelmed by the debt they have acquired. If you no longer feel that you are in control of your finances, and are living paycheck to paycheck and still not getting your bills all paid, you should seek professional debt relief guidance.

Question: How does debt consolidation work?
After requesting your free online debt consolidation quote and analysis, you and your debt consolidation counselor will first take a look at the type of debt you owe, the total owed on each, and the monthly payment you are presently making. After doing this your debt counselor will be able to help you design a budget and decide what you can sensibly afford to pay off monthly. Once a re-payment plan is made, the counselor works with your creditors on making those payment arrangements. In most cases, creditors are willing to reduce interest, or even the principal owed, as long as they know you are serious about cleaning up your accounts.

Question: Wouldn't it be easier to just file for bankruptcy?
Bankruptcy may be the "easy" way out temporarily, although it is a decision that shouldn't be made based upon the ease of filing. Bankruptcy is an action you would want to consider only if there were no other options available. Bankruptcy can remain on your credit report for up to 10 years. For many people this can be devastating to not only your credit, but to your job and family.

Question: I would like to talk with a debt counselor, what should I do now?
Your first step is to fill out the online debt consolidation quote form. You will be asked a series of questions, and the information you submit will be delivered to a debt relief counselor who will assist you in deciding what will options will work best in your situation.

Question: What is the initial charge for submitting the online quote form?
Nothing. This is a free service, in which you pay nothing.

Question: What states do you offer services in?
We serve all 50 states and Washington D.C. You will be directed to the debt consolidation counselor closest to your home.



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