Your Choice for Debt Consolidation

debt consolidation If you’re a consumer struggling to make your monthly debt payments, you can find relief through a debt management solution like debt consolidation, debt settlement, or credit counseling.

Debt consolidation combines your credit card debt, medical debt, personal loans, and payday loans into a single monthly payment. A debt consolidator negotiates with your creditors on your behalf to lower your interest rate and minimum payment into something you can afford. We negotiate directly with your creditors, so you won’t need to get a debt consolidation loan to get relief.

Video: How to consolidate debt

Debt settlement reduces your overall debt load through negotiations with your creditors. Your debt can be reduced by 40% to 60% in many cases, making it easier for you to pay off your debt completely.

Credit counseling can also lower your monthly debt payment by negotiating with your creditors and creating a debt management plan. Credit counselors help you create good financial habits like setting a budget, paying your bills on time, and being smart about debt. While they help you get out of debt, credit counselors also help keep you from getting into debt in the future.

When you start a debt consolidation or credit counseling plan, you won’t receive any more debt collection calls. If you stick with the plan, you can be completely debt free within 3 to 5 years.

What Debt Feels Like

debt consolidation blues Lying awake at night, you juggle your debts in your mind while working and re-working your income and expenses to find even an extra dollar to put toward your debt. You literally gasp for air as you feel the chains of debt tightening, closing off your air. It just feels hopeless.

Sleepless nights make your days exhausting. Between the fatigue and stress about debt, you can barely get any work done. You only hope your boss and co-workers don’t notice and don’t ask questions.

Paydays come and go, but there’s no joy in them. Your paycheck is spent as soon as it comes and you contemplate taking out one of those payday loans you hear people advising against. Those people must actually have enough money to cover their bills.

You don’t answer ringing phones, because you fear it’s just another bill collector, calling to hassle you about paying bills. They call throughout the day, well into the night. They even harass your family and friends. Could it get any worse? Is there any hope?

Video: Health effects, debt stress

Frightening Debt Statistics

You’re not the only one struggling with high debt. Look at these statistics from the U.S. Census Bureau.

  • In 2008, the average household carried almost $8,700 in credit card debt.
  • In 1980, consumers had a total of $355 billion in debt. By 2008, that number increased by more than seven times to a staggering $2.6 trillion.
  • The average American owns 9 credit cards with the average credit cardholder carrying $5,000 in credit card debt. That number is expected to increase to $6,200 by 2010.
  • As of the 2000 census (the last one conducted), 70% of homeowners have a mortgage and 22.6% of them have a second mortgage.

Debt has become a way of life for many Americans, but you don’t have to continue to lead a life laden with debt.

Benefits of Debt Consolidation

Handing your debt over to debt consolidation will give you instant relief. Immediately, debt consolidators start working to rescue you from debt. You have direct access to all the benefits of debt consolidation the moment you sign up.

One monthly payment. Forget writing several checks each month to different payments to several different credit card issuers and other bill collectors. Debt consolidation lets you manage just one payment for all your bills. No more will you have to juggle several different billing statements and payment amounts. Under debt consolidation, it’s much easier to remember your due date, eliminating late fees and interest rate penalties.

Lower interest rate on your debts. Through debt consolidation, you can have your interest rates slashed by between 50% to 100% (varies by creditor). You could save hundreds, possibly even thousands, of dollars in interest charges by the time you pay off your debts completely.

Faster debt pay off. If you made the minimum payments on your credit cards and other bills without debt consolidation it would take years to pay off all your debts. Because debt consolidation lowers your interest rate and minimum payment, you could be out of debt in as few as 2 years, as long as you stick with the program. Most people pay off their debts between 2 and 5 years.

Improved credit score. Paying your credit cards responsibly through our debt consolidation program helps you build months of positive payment history – the single most important factor in your credit score. After you’ve successfully completed the program you’ll have years of positive payments added to your credit history and a better credit score to show for your dedication.

Video: Raising credit scores

No more debt collection calls. Once you’ve enrolled in our debt consolidation program and your accounts are brought current, you won’t have to worry about annoying phone calls from debt collectors trying to get you to pay. Finally, you can have your phone back.

What Happens When You Fill Out Our Form or Call Us

After you fill out our debt counseling form, one of our debt consolidation counselors will call or email you to discuss what’s best for your situation. We’ll work to understand your total financial picture and together, we’ll decide the best solution for you.

We’re open late to make it convenient for you to call us for free debt relief counseling. No matter how long it takes, our debt counselors will spend all the time necessary to completely understand your finances. Regardless of your credit, there’s a debt consolidation solution that’s fit just for you.

You don’t have to be enrolled in our debt consolidation plan to get free counseling services or to attend our free debt seminars. Our debt counselors are part of a 501(c)(3) Non-Profit Organization. Call us today at 1-877-550-0595 to get free information from a professional debt counselor.

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