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 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.

Our Debt Settlement Program is not like any other settlement program you may have heard of. We call it “Debt Audit”. 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. What’s different about this program? You will be represented by one of the worlds largest Debt Settlement legal firms. Your creditors will be contacted, harassing phone calls will stop and you will be given access (by password) to our exclusive “Debt Audit” program. This program will allow you to see your credit score regularly free of charge and will make actual suggestions to you about how to raise your credit score while settling your accounts. These suggestions are based only on “your” Credit Report, hence the name, Debt Audit.

You are legally entitled to an accurate and verified credit report. It is widely held that 70% of all credit reports contain errors. Our credit restoration program is designed to insure that inaccuracies are either corrected or removed from your credit report. We are not a “deletion mill”. Our 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.

Most people are aware that in 2005 the laws effecting Bankruptcy in our country were changed. This does not mean you can no longer file Bankruptcy. Is it now more difficult to file? Yes. In our opinion, Bankruptcy should always be the used only when there is no other viable option available. We are not Bankruptcy attorneys, we are credit counselors. We believe a Bankruptcy should be entered into only as a last resort. In the near future, we will provide a list of attorneys who have been screened by us, and, who specialize in this area of the law and offer free consultations. For an overview of the various types of Bankruptcy written by a Bankruptcy attorney, just click here.

For some individuals a refinance may be the only or best solution to the problem. Our trained Mortgage consultants are also Credit Counselors. We specialize in hard to do loans. Bad credit, in foreclosure etc. If you have a situation which requires more than the average Mortgage consultant, even if you have been told you cannot be helped, please do not hesitate to contact us. And, by the way, we can also do conventional loans.