Credit counseling is one of the most popular options in today's expanding world of debt solutions. It is a process whereby your account will be handled by a credit counseling agency. Through credit counseling you can get credit card debt consolidation, which combines your monthly bills into one easy-to-make monthly payment. With lower payments and interest rates reduced or eliminated completely.

Our credit counseling network consists of reliable organizations that work directly with your creditors to create the ideal repayment plan for you. Through years of respectable business practices and solid partnerships with creditors many benefits can be accomplished from this program:

• Consolidate multiple payments into one simple payment
• Reduced interest rates
• Elimination of late fees and over the limit fees
• Re-aging of past due accounts (bringing accounts to current status with creditor)

Program steps:

1. Your specialized credit counselor will review your budget information and suggest one of our programs. While most other companies only offer one option, we lead the industry with multiple solutions designed for your individual needs.
2. After deciding which program is most beneficial, you will decide when you will be making your first payment. You will have one easy date that will be your payment date every month. There will be no more different due dates to remember or budget for.
3. After your decision to enroll in the program, we will contact your creditors and negotiate with them, your monthly payments and interest rate reduction. You then simply send one monthly payment and we distribute the funds to your creditors on your behalf. You will still receive monthly statements, so you will be able to see your balances dropping.
4. Simply keep making your monthly payments on time and you will be on the road to a better credit rating, stable finances and eliminating your debt.

Results:
As a result of the work we do on your behalf and the benefits we achieve for you, you will be able to pay off your debt in much less time than you can do on your own.

How? Interest rate reductions, consistent on-time payments, and reduced late charges work together to effectively reduce the total balance owed. Prior to enrolling in the program, a majority of your payments go towards interest and late fees. Many times nothing is applied to principal. By reducing the interest and late fees more of your hard earned money is applied to the principal: therefore, paying the debt off in a lot less time.