How do I get started?
It's easy. Simply complete our online application. A
budget-planning counselor will review your information and calculate
a payment plan that fits your budget. You should expect a call from
a debt counselor within 2 to 4 hours of submitting your application.
Do I have to qualify?
Debt Counseling, Debt Management and Debt Repair
No. Regardless of your credit history, whether you're
overextended or have recently been late with payments, you will
qualify for our program. Your acceptance is based only on your
ability to make your monthly payments.
Can I withdraw from the program later?
Debt Counseling, Debt Management and Debt Repair
Yes. Participation is completely voluntary, and you can withdraw
from our program at any time. However, keep in mind that if you
decide to handle your debts on your own, all the program benefits
offered by the creditors will stop.
Can I keep using my accounts?
Debt Counseling, Debt Management and Debt Repair
No. Remember why you came to us for help: your objective is to
reduce and eliminate your existing debts, not add to them. As long
as you receive benefits from your creditors (lower payments and
lower interest rates), they will discourage additional spending.
Therefore, most creditors will ask that you stop using your accounts
while on our program.
Tip: Ask your bank about debit cards. Debit cards offer
the shopping convenience of a credit card, but the funds are
withdrawn from your checking account.
Can I choose my due date?
Debt Counseling, Debt Management and Debt Repair
Yes. This is one of the most convenient features of our program.
Your creditors may not be aware of your pay dates, or when your rent
or mortgage payments are due. We want you to be comfortable with
your payment date, so you can choose a date that doesn't conflict
with your other obligations.
Will I get monthly statements?
Debt Counseling, Debt Management and Debt Repair
Yes. If you currently receive monthly statements from your
creditors, you will continue to get them. This will give you the
opportunity to monitor the progress of your accounts while on the
debt management program.
Can you stop creditor harassment?
Debt Counseling, Debt Management and Debt Repair
Yes. Once you're on our payment plan, you can simply refer any
calls from your creditors to us. We pledge to end creditor
harassment.
Can I add more accounts?
Debt Counseling, Debt Management and Debt Repair
Yes. Simply contact our customer service department and give them
the account information for the additional account's). Or send your
information by e-mail, and a representative will call to confirm the
receipt of your information.
What if I can send more money some months?
Debt Counseling, Debt Management and Debt Repair
We encourage you to send additional funds whenever they are
available. Even a small reduction in principal now can save you
hundreds in finance charges later. If you have a preference as to
which creditor's) should receive the additional funds, simply
accompany your payment with a letter instructing us how to disburse
the extra funds. Otherwise, we will apply any additional funds where
they will do the most good based on account balance and interest
rate. Any additional payments should be made through our office to
assure you continue to receive program benefits.
Reduce Debt By 60%