Credit Card Debt Programs

At the debt consolidation and debt settlement counselors are professionally trained to act as a liaison between you and your creditors. They have developed an excellent rapport with your creditors and this allows their office to secure numerous money saving benefits on your behalf.

The debt consolidation and debt settlement program is especially designed to ease the burden and unnecessary cost of trying to consolidate credit card debt on your own. The counselors understand that your finances are an important part of your life and often can seem extremely overwhelming and frustrating. This site strives to make the burden of debt easier and to help you focus your valuable time on other, more enjoyable, aspects of your life.

On receiving your payment each month, the office promptly distributes the funds to your creditors according to the agreement we have arranged for you. Most credit card debt agencies disburse client funds monthly but the offices we work with may even disburse your funds on a daily basis. This saves you money by eliminating the possibility of unnecessary late fees that may be incurred by missing creditor due dates. Your monthly statements from your creditors could still arrive each month and will see your balance lowered by the receipt of payment and re-adjusted interest rates.

We know that your privacy is important to you. We go to great lengths to ensure that your financial information is kept confidential. Only those creditors with the proper authorization can access your information. Your only concern should be making your agreed monthly payment on time to distribute the recalculated payments to your creditors.

The money saving benefits that our partner credit and loan consolidation offices gain from your creditors on your behalf carry interest rates that are generally lower than those offered by banks for personal or mortgage loans. There is no loan application process and you are never penalized for pre-paying your debts down more quickly. Before entering a credit counseling program, many of our visitors could not obtain loan to consolidate credit card debt from a bank because they had a high debt-to-income ratio, a less than favorable credit report, or little home equity. If you are determined to become debt free, one of our debt consolidation or debt settlement offices can help you.

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