Frequently Asked Questions .........................APPLY NOW!

Are you a collection agency?

No! We work for you! We will stop creditors from harassing you once you join our program.

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Can you consolidate things like a home mortgage and/or a car loan?

No, we work only with unsecured debt which is debt that is not backed or underwritten by an asset (like a car or home).

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What is debt consolidation?

Debt consolidation is a process by which we negotiate with all of your creditors to obtain the lowest monthly obligation needed to satisfy all of your current accounts. You pay one "lump" sum monthly which, in turn, is portioned out to your creditors. This monthly payment will in almost all cases be lower (perhaps by as much as 50%) than the sum of your individual account obligations.

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Do you charge a fee?

Yes, however this fee is structured into your monthly payment program and is far below the amount of money we save you in reduced interest charges, late fees, and total monthly expenditures.

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