Our debt management program will allow you to avoid the angst, stigma and credit score hit declaring bankruptcy causes or from committing yourself to a long term debt consolidation loan that merely transfers the debt and doesn’t really address the underlying problem of reducing your debt. Also, if this loan is secured by your home (a home equity loan or HELOC), it could put the family home in jeopardy should you suffer another financial setback in the future; and in this unstable economy no one knows what misfortunes may lay ahead. Also in these trying economic times, loans are extremely hard to get.

By negotiating to lower your presently HIGH interest rates, a greater portion of each payment will be credited to your balance, instead of going out the window in the form of interest. This can drastically cut your pay off time from 15-30 years to in most cases, only 4-5 years. This debt help program can result in saving you thousands of your hard earned dollars in finance charges. Money that can be used toward your mortgage or to start up that much needed savings account for those unforeseen expenses that always seem to crop up, or for a college fund or for a rainy day.

Also, in today’s tough economic times creditors are lowering people’s credit limits, and as a result, many people are seeing their credit scores decrease due to being too close to their newly lowered credit limits. By enrolling in our debt consolidation program, with much more money going to the principal, your balances will drop much more quickly then they presently are, helping improve your credit to credit available ratio which is 30% of your credit score.

To start on the road to becoming debt free, simply fill out our short debt help online form , or call us at 1-800-648-9583.

After receiving your information, you will be contacted at the number you provided within 24 hours. With the additional information gathered during your no obligation consultation, one of our highly trained financial counselors will discuss your options and prepare a program tailored to meet your specific needs.

Our Action Plan and Service Agreement are then presented to you on line for your approval. Simply review and electronically sign the forms and submit them.

Once you have enrolled in our REDUCED INTEREST RATE PROGRAM®, the creditors you have provided us with are contacted by our highly rated Customer Service Department and are sent a proposal to start the Debt Management enrollment process. If any collection agency or creditor calls you, just give them your Client ID # and our customer service number and have them call us and we will take care of the rest.

Due to the reduced interest rate(s), much more of your payment will now be paying off principal instead of going toward interest. This will cut the pay off time from 15-30 years (depending on your interest rates) down to typically 4-5 years on our program, which, depending on the size of your total balance when you enrolled, can literally save thousands of dollars in interest costs You will continue to get statements directly from your creditors, not as a bill but as a way for you to monitor your progress, see your adjusted interest rates and most importantly, see your balances start to drop much more rapidly until that wonderful day of being debt free comes.

So give us a call today and get started on the road to becoming debt free and join the thousands of our satisfied clients who have discovered the joy and tremendous sense of relief in being truly debt free. Remember, there is nothing worse than doing nothing! The call is free and so is the consultation, so call 1-800-648-9583 today and let us show you what we can do for you.