Our Services:
When you're faced with debt, it can be hard to see your way out and make sense of your options. Our Certified Counselors offer a variety of debt relief solutions, all of which assist you in alleviating your financial pressure.
Debt Management Plan (DMP)
If you struggle to keep up with your monthly payments, our DMP may be right for you. DMP allows you to consolidate all of your unsecured debt into a single monthly payment and when you complete our program, you will be one step closer to financial stability. Our DMP has helped thousands through the following benefits:
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Pay less. Better repayment terms offered by most creditors, like lower interest rates and waived late fees, can save you considerably each month.
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Pay off your debt faster. In most circumstances you'll be able to pay off your debt in three to five years rather than the average 25 years* it could take without our program.
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Reduce your stress. We can help to eliminate the stress of collection calls, and return harmony to your household.
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One, easy payment each month. Your credit cards and other unsecured debts are consolidated into one monthly payment so you only have to remember 1 due date.
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Build your money management skills. We are committed to helping our customers become savvy with managing their money. Our DMP not only helps you get out of debt, but our tools, tips and educational resources will help you stay out of debt.
* Assumes the consumer would only make minimum monthly payments.
Debt Settlement Plan
Debt Settlement is the fastest and least expensive option to get out of debt without filing bankruptcy. Also known as debt negotiation, debt settlement is an ambitious approach to debt reduction for debtors experiencing the strains of too much debt and for those who may have considered bankruptcy as an option.
Debt settlement will negotiate with the creditors on your behalf to settle for an amount less than what you owe. Once the debt has been settled, the creditors will issue a letter to the credit bureaus stating the debt has been "Paid", "Settled", and/or "Settled for less than full amount."
Creditors are usually willing to settle the balance of the debt owed if the debtor is under a financial hardship because if the debtor chooses to file bankruptcy, the creditor would receive nothing. Therefore, it is in the creditors best interest to work with us and settle the account.
