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Debt Consolidation Information
Here are a few FAQ's that we receive:

1. Why shouldn’t I apply for a home equity loan or debt consolidation loan to pay off my creditors?
Most people like this idea, as they receive a check to pay off all their creditors almost immediately. A very large majority of people who apply for these types of loans end up in deeper financial trouble than they were before. The reason this happens is because these loans do not reduce the amount you owe. In addition, you jeopardize your two most valuable assets - your house and your family.

2. What type of debts can be consolidated?
Only unsecured debt can be consolidated using the resources listed here. This includes all major credit cards such as: Visa, Master Cards, Discover, American Express etc; Store cards such Sears, JC Penny, Macy's; Medical Bills; Phone Bills; Utility Bills; Student Loans or anything which is not attached to your properties or products.

3. How does debt consolidation effects your credit?
Debt consolidation allows you to pay down your debt and keep a good credit history. Here are some tips to establish and maintain your credit rating: Pay your bills on time; (mail checks at least 8 to 10 days in advance) If you are having trouble making your payments, call and try to work out a solution; Don't spend more than you can afford till you pay off your debts.

4. Is debt consolidation only for people on the verge of bankruptcy?
No! Debt consolidation gives people of all debt profiles a tool to lower their monthly payments. You may not be considering bankruptcy but are having a little trouble paying your monthly bills; a debt consolidation service may still help you by reducing (perhaps eliminating) the interest rates and late fees your creditors are charging you.

5. Should I consider filing for bankruptcy instead of joining your program?
Filling bankruptcy should be your last resort in solving your financial difficulties. Although it may help you now, it will hurt you in the future. If you choose to file bankruptcy, be prepared to accept the unfortunate consequences. It will appear on your credit report for at least ten years. In addition, it can be reported for the rest of your life when applying for certain types of state licenses, jobs, as well as various types of loans. Before you consider filing bankruptcy, give yourself one last chance to obtain financial freedom.

6. How long does it take to pay off my credit card debts after debt consolidation?
Most people are able to get out of debt in 3 to 5 years after the interest rates on their debts have been reduced under a debt consolidation plan. Frequently, debt consolidation also results in the reduction of the total monthly payment amount. Those who would have been making payments for 15 to 25 years before debt consolidation are able to lower their monthly payments but, nevertheless, get out of debt in a fraction of the that length of time.

7. How do I Get Started?
Simply fill out the questionnaire form and submit it to us. We will then call you to begin the process of getting you debt free.

8. Is there a fee?
Yes, however this fee is structured into your monthly payment program and is far below the amount of money we save you in reduced interest charges, late fees, and total monthly expenditures.

9. Will debt consolidation stop harassing creditor phone calls?
Yes. Any call that you did happen to receive after consolidation is an internal collector that is out of the loop. Simply refer them to your debt consolidation agent and he will set set them straight.