Debt Settlement, Debt Management, Debt Reduction Services, Credit restoration,Refinance, Bad credit loans 

Also referred to as Debt Consolidation. This program is designed to help individuals who have greater than $5000.00 in Credit Card Debt, have high interest rates and realize they are now in what is commonly referred to as a “Pay for Life Program”. In other words, because your interest rates are so high it could take you as long as 18 years to payoff the debt by making just minimum payments. The Debt Management Program will allow you to make one monthly payment at reduced interest rates and have the debt paid in full, generally, in less than 5 years. Also, creditors will generally waive overlimit fees and reage the account (bring it current if you were behind”) after a period of 3 to 6 months of being on the program. It is not unusual for your present monthly payment to be slightly lower in a Debt Management Program than your current payments combined. This program is voluntary, there is no prepayment penalty and your participation is not a scoring component of your credit score.

The Debt Settlement Program is designed for people who are in a debt crises. It is designed to help people who have fallen seriously behind and either cannot or would prefer not to file a bankruptcy. This program is designed to allow you to settle your unsecured debts for about 50% of what you owe. (All fees included). By making affordable monthly payments. Depending on your state, you will have the option of placing that portion of the monthly payment set aside for creditor settlements each month to be placed in your own savings account or using the law firms escrow account. .

You are legally entitled to an accurate and verified credit report. It is widely held that 70% of all credit reports contain errors. The credit restoration program is through our affiliation with United Credit Education Services, a non-profit-designed to insure that inaccuracies are either corrected or removed from your credit report. We are not a “deletion mill”. The program starts with a revue of your report and then appropriate correspondence with the credit reporting agencies and your creditors when called for. Only one counselor works on your file, and maintains contact with you throughout the process. Additionally if you would prefer to work on improving your own credit, we have provided what we believe to be the best information currently available on this process, in other areas on this website.

We are not attorneys and do not offer bankruptcy as a debt solution. If you need to find a Bankruptcy Attorneybecause you have determined it is your only solution You can leave your contact information on our Bankruptcy page.