Credit Counseling

Debt Consolidation
 

Debt Consolidation | Credit Card Consolidation | Credit Card Debt | Debt Management Program | Credit Counseling | Financial Services | Free Debt Consolidation Quote

 
Debt Consolidation

Credit Counseling

Credit Counseling

              

Credit Counseling

Do you find yourself buried by too much debt?

Do you think sending the minimum will take you anywhere?
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Debt-Consolidation

Credit Counseling

     

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         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 today.

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 of life.

Credit 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. 

  • We work with many large creditors and have many clients. Because creditors are receiving payments from us on many accounts, they often are willing to reduce and/or eliminate both interest and late charges to our clients.

  • Because we are recognized by creditors as a leading provider of Credit Counseling services, we can also extend the terms of the incurred debt at a reduced and/or eliminated interest rate with no late fees or further adverse effect on your credit history.

  • Creditors recognize that people who enter a Credit Counseling program are trying to repay their obligations in good faith. Creditors are more willing to extend favorable terms to such clients in the hope that they (the creditor) will avoid the significant expense of turning the account over to a collections firm or avoid an extended drawn out process if the account holder goes through the expense of declaring bankruptcy. 

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Debt-Consolidation


Credit Counseling
 

   
Debt Consolidation
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