• We can help to better organize multiple debts in such a way that it is easier to monitor and pay.

• We will deal directly with your creditors, so that is an additional burden you won’t have to deal with.

• We help to structure a suitable payment plan to fit your needs.

• We work closely with your creditors to get you the lowest interest rates so you have more going towards principle versus finance charge, getting you out of debt faster.

• We help to reduce your overall length of time to pay off your creditors, saving you thousands of dollars.

• We are committed to working closely with our clients to help them obtain a healthier financial future.

The way the program works is; the creditors give us a guideline to follow. They want a certain percentage of your balance every month in order to put you on their program and they in turn will give you a lower interest rate, and the interest rates vary from about 0 to 9% so more is going towards principle versus APR. The APRs are fixed for the term of the program.

This program is designed for those in current status as well as past due status. The only difference is; clients in past due status will be brought back to current status.

The creditors guidelines do not vary from one debt consolidation company to another; it is the same across the board. Your debt to income ratio becomes better and they fico score starts to go up versus being dragged down by the balances on your credit. The quote is not determined by what you can afford, but rather, what they will accept. These quotes generally come out less than what you are paying or may be about the same, however it just depends on whom your creditors are and who you mesh together. We can have 2 people with $20,000 in debt but if you have completely different creditors, one client may pay $300.00 and the other $600.00 so it really depends on who your debt is with.

If you agree to the payment amount, we send you an agreement…We say agreement, not contract because it is a voluntary program. You then return it with said first payment and we turn around and launch proposals to said creditors to let them know you are joining the program and we are proposing said amount to be paid to them on a monthly basis.

Our fee is calculated in to your monthly payment. It is a 1% annual fee. For example, if we say your payment is $300.00 for 3 years, it is already included in the $300.00 for the 3 years. If you send in anything above and beyond that amount and pay the accounts off early, you are no longer entitled to the fee. Also, as you go through the program, when the lower balances are paid off, we move the payment that was going to that creditor, over to the next one, so on and so on until everything goes to the last creditor, in order to expedite the process.

For further questions and answers, please visit our FAQ page.