Do you find yourself buried by too much debt?
Do you think sending the minimum will take you anywhere?
- Customer Information
Credit Counseling Form)
Call Us Today For A Free Credit
We can help you reduce your payments by up to 50% Debt
Consolidation is not a loan. We work with your creditors to reduce
your interest and your monthly payments, thatís how you save money. When
you consolidate you only have one low monthly payment.
Our counselors have settled millions of dollars in credit
counseling , paying back their creditors, while saving them thousands
of dollars in interest charges. Our program is the solution. We will show
you how to control your finances. We can help you end that cycle.
Consolidation??? You might now be wondering about consolidation.
"But I owe my creditors thousands of dollars - there can't be anyone worse
off than me!" You're not alone! Some of our clients consolidate from loans
and credit cards with balances as high as $200,000.
Borrowing money to pay back borrowed money
is economic suicide. If you are able to qualify for an unsecured loan
to pay off your unsecured bills (most people do not) you are basically
borrowing from Peter to pay Paul. If you take out a secured loan such
as a home equity or second mortgage, you are attaching your current unsecured
bills to something of value such as your home. The average interest rate
in the program is 6 to 8 percent, which is usually less than most loans
Have your bills have reached a point where
you are feeling forced into a never ending cycle of incurring more and
more credit card payments just to keep your family living from day to
day? Also, as all these easy credit card offers arrive in your mailbox,
are you beginning to wonder if there is a way that any working person
can ever find financial security? All this mounting payments can easily
rob you of joy and comfort, you will find that it can overwhelm your family,
and can even damage your ability to try and enjoy even the simplest pleasures
Cards are under a revolving credit payment plan. They are designed
to keep you in debt, resulting in your paying an extraordinary amount
of interest while trying to pay them off. Under these circumstances, most
people will end up paying between 15 and 30 or more years. This means
they will usually pay out 5 to 6 times what they originally borrowed.
By changing from a revolving to a fixed payment plan, along with a lower
interest rate, most of the money is applied to your principal balances
instead of just paying finance charges each month, reducing your total
payout term to 3 to 6 years.
We are a
non-profit corporation committed to assisting consumers who have had the
unfortunate experience of becoming over extended with consumer debt. In
addition to our Credit Counseling program in which you can become a member
of, we also provide you educational information. Our credit counseling site
is designed to assist you in taking charge of your credit.