How It Works

    Once you decide to join our program we immediately go to work on your behalf. Through years of building solid relationships with hundreds of creditors throughout the country, we have the bargaining power to get your interest rates significantly reduced and many times even eliminated. In most cases we can have late and over limit fees waived as well. This saves you thousands of dollars in interest and years of payments.

    Let's use the typical example: Say you have about $20,000 in unsecured debt and you're paying minimum monthly payments or slightly above on your accounts. At the average interest rates charged by many creditors, it could take you as long as 20 to 30 years to pay off these debts. This is because most of the money you're sending is being used to pay the interest, with little being applied to the debt itself. On our Debt Management program, with your reduced interest rates, you could be sending one convenient, low monthly payment and be completely out of debt in as little as 3 to 4 years. Saving YOU thousands of dollars!

    Once in the program you send one easy monthly payment and they are deposited into a trust and security account. Every month we disburse the payments to each of your individual creditors. You'll continue to receive statements from your creditors. These are NOT bills. These are simply to show you that your debts are being paid. We're sure that you will be pleasantly surprised as these statements begin to reflect your vanishing debts!

    Things you should know: to enter our debt management program, there are a few restrictions. These are imposed by your creditors as a condition of your lowered interest rates and the waiving of late and over-limit fees. The accounts you choose to place under consolidation must be closed. Your creditors will not permit further charges on these accounts after lowering or eliminating the interest rates. Also, you many not apply or any new credit cards while in the program. You can, however, keep one or more credit cards of your choosing out of the program and continue to use them.. The program should not affect any cards you choose to keep and you continue sending your payments directly to those creditors yourself.

    Still have Questions?
    You may speak to one of our debt management counselors in person by calling our toll free number 1-866-354-6468. We're always happy to assist you in any way possible. The call is free, confidential, and without obligation.