Direct Debt Consolidation and Reduction Services

What is Debt Consolidation?

Debt consolidation is designed to help pay off your debt by combining all your bills into one affordable monthly payment. Under our program, monthly payments are lowered and interest rates are reduced - sometimes totally eliminated. Your save thousands of dollars in interest, and your payoff time is typically much less.

Why are my creditors willing to do this?

Creditors are willing to lower interest charges and monthly payments as a way to help the client avoid filing bankruptcy, or to avoid having to turn accounts over to a collection agency.

How will this affect my credit?

Debt consolidation is the often regarded as the best way to become free of debt. Future creditors will view enrollment in a consolidation program as your taking responsibility by making regular monthly payments to meet your debt obligations. It may be that you are current with payments but realize that you will never be free of debt by paying only the minimum payment each month. In this case, you are in financial danger but your credit rating may still be very good. Once you have begun our debt consolidation service, your credit report may or in most case, may not indicate as this bill is being payed by a Third Party payer. This is not a negative or positive aspect, simply a neutral remark.

Which types of debts can we work with?

All unsecured types of debt can be successfully consolidated under our program. These will include credit cards, bank lines of credit, judgements, attorney fees, IRS back taxes, previous rent, previous utilities, disconnected cell-phones, student loans, medical bills, and department store cards.

Secured debts such as home mortgages and auto loans typically cannot be consolidated.

Does your company serve all 50 states?

Yes, we work within all US governed states and provinces. This includes Puerto Rico, St. Thomas, U.S. Virgin Islands and Guam. We will also gladly deal with all United States Military Personnel, stationed abroad, providing that they have U.S. creditrs and can remit their payment in U.S. Funds.

We deal with residents of Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin & Wyoming.

We do not work with Canadian creditors, as of this time. If your are in Canada and have American Creditors and can remit your Payment in U.S. Funds, we will be happy to help you.