Through our credit counseling services, we help you evaluate your financial situation and identify the most practical path toward becoming debt-free. This isn’t a one-size-fits-all approach, as our team takes the time to understand your needs and customize a plan that aligns with your goals.
If you meet certain qualifications, we can also help you through a debt settlement process, significantly reducing your debt. Many of our clients who’ve gone this route have become debt-free in as little as three to four years, and it’s a great first step toward rebuilding your credit score and long-term financial stability.
You don’t need to continue living under the weight of debt. Instead, reach out to us and learn how we can help and what your options are for getting out of debt.
Debt Management (Credit Counseling)
Through our debt management and credit counseling services, we help you consolidate most of your unsecured debt into one manageable monthly payment. Our program simplifies your finances and helps you get better repayment terms from your creditors. Most importantly, it creates a clear, realistic plan to pay off your debt faster and reduce the total interest you pay.
- Better repayment terms are offered by most creditors. Most will lower interest rates, wave late and over the limit fees AND bring your accounts back to current without making up those missed payments. This can save you thousands over the life of the debt!
- Pay off your debt faster. You’ll be able to pay off your debt in three to five years rather than the average 10-15 years.
- One, easy payment each month. Your credit cards and other unsecured debts are consolidated into one monthly payment.
Debt Settlement
Not everyone qualifies for a Debt Management Program. Debt Settlement may be your best option. Debt Settlement is a program designed for people who are starting to become delinquent on their payments, or when some or all of their debts have gone into collections.
Advantages of a Debt Settlement Program:
- One lower monthly payment based on your income and budget.
- Negotiate to settle your debts for less than the full balance owed, reducing your total debt dramatically.
- Become debt-free in 36 to 48 months.
- Begin rebuilding your credit score once your debts are resolved.
We can settle most unsecured debts such as:
- Credit Cards
- Lines of Credit
- Medical Bills
- Unsecured Loans
- Collections
- Repossessions
Bankruptcy
We explore all your options, including bankruptcy. If after counseling with us, you may find yourself in a situation where bankruptcy would be your best option.
We recommend consulting an attorney to help determine what type of bankruptcy is best for you. Our goal is always to help you make the most informed, responsible decision possible. There is no pressure when you work with us, just honest guidance.