Free Debt Consolidation
We provide free consumer credit counseling and debt management services for people overwhelmed with credit card debt.
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does it work?
We first start with debt consolidation analysis. The analysis
will determine if you are better of filing bankruptcy or having
us consolidate your debts. We will also give you an estimate of
your savings under our debt consolidation program.
When you become a client, one of our debt counselors will
contact your unsecured creditors and work out a reduction in
your interest rate and reduce your monthly payments to an amount
that you can pay. Because we deal with these creditors daily, we
can usually conclude this phase quickly and achieve significant saving
to you. For example, if you owe Citibank $7,000 in credit
card debt and are paying 18% interest rate, most of your
payments go to the interest, not to reducing the debt. We can
usually get the credit card companies to reduce or even
eliminate the interest charge so that all of your payments go to
reducing the balance you owe. With many creditors, we can even
get them to slash the debt you owe as well as reduce the
Because you are enrolled in our debt consolidation program,
your creditors stop all legal actions against you. That means
that you are not likely to have them attach your wages or take
you to court. Also, the deterioration of your credit stops, and
that makes sense since you are now repaying your debts under the
Let us not forget the harassing creditor phone calls that you
are probably getting right now. Our debt consolidation program
will bring it all to a halt. You no longer have to hide from your
phone or dread opening your mail. Talking about mail, your
creditors no longer will send you bills and you do not need to
send them payments either. This is because we take over that
responsibility. They send the bills to us and we pay them for
Best of all, it is all free to you. Your credit card
companies pay us, not you. Why? Because they want this to work.
They need those reduced payments more than you are willing to
make them and they will gladly pay us for helping them help you.
Is that a winner or what?
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