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Free Debt Consolidation

We provide free consumer credit counseling and debt management services for people overwhelmed with credit card debt. 

Our Services

We have two types of services that we offer to all our clients, Debt Management and Consumer Credit Counseling collectively referred to as Debt Consolidation. Under our debt management program, we negotiate with your creditors to slash the amount you owe and to reduce your monthly payments. We then follow it with consumer credit counseling to help you rebuild your credit and stay out of credit trouble. Here is what you get with our services... 

Stop the spiral downwards.

We will contact your creditors and get them to slash the balances on your account by as much as 50% or more. We will also get them to agree to an easy repayment plan that you can handle. Other programs reduce your payments but not your principal debt. We reduce both your payments and your principal debt.

Reduce or eliminate your high interest rate

Not only do we get your creditors to reduce the amount you owe, we can get them to slash the high interest rates that you are paying. Do you know that with today's high interest rates most debtors will need 10 to 20 years to pay off their credit cards. It is not that you borrowed too much. It is that you are being charged too much. 

Help with your credit

By getting your creditors to agree to reduce your debts and monthly payments, it prevents them from further damaging your credit. Without doing something, your creditors will close your accounts and refer them to collection and that in itself can devastate your credit.

Save you money

The result of debt consolidation program is that you will save many thousands of dollars and you will be spared the stigma of filing bankruptcy. The best thing is that you can start this savings as soon as today. 

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