Debts we can help you with!

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.

Keeping your credit cards current is important but national statistics tell us that it takes over one year for every thousand dollars owed to pay creditors at a 20% Annual Percentage Rate on debts over $5000. Sooner or later, your debt will overpower your ability to pay your bills on time. This can have an effect on your credit rating. If you are spending more then you make then you are obviously in need of a debt consolidation plan.

• Credit Cards, Department Store Cards
  
• Magazine / Record clubs
  
• Tax Debt
  
• Medical Bills, Legal bills
• Personal loans, Signature loans
• Health club memberships
• Repossessed vehicles
• Student loans
• Collection Agencies
• Bills from a previous residence
  (old utility bills or cable bill)

Some people ask, "Don’t credit card companies have their own debt reduction programs?"

The answer is Yes, except, debt consolidation and debt counseling are different functions than what the credit card companies do best. Credit card companies prefer that people deal with specialized debt management firms who take on the huge burden of repayment agreements and terms as well as all the attendant paperwork. This is the reason credit card companies have specialized programs for debt consolidation companies like us.