Our first objective is to understand your situation and identify your goals. One of our certified Credit Counselors will first provide a free, in-depth evaluation and budget analyses to determine which program is best for you. We will then formulate a re-payment plan based specifically on your situation and provide you with all of the information necessary to get things started.
Debt Management Program (DMP)
If you are dealing with high interest rates, struggling to make your minimum payments or having trouble bringing your accounts back to a current status a debt management program (DMP) may be right for you. Through a DMP your accounts are consolidated into one simple monthly payment. Each month your payment is disbursed to each of your creditors accordingly. Creditor benefits include lower interest rates, lower monthly payments and waived late fees/penalties. On average, our DMP can help you get your balances paid off within 3-5 years while saving you thousands of dollars in interest.
Debt Settlement Program
A Debt Settlement Programs is an aggressive and highly effective option for people who have found themselves in a financial hardship. The program is structured to include an affordable monthly payment and time frame designed to save you money. Our professional debt negotiators are very successful in working with your creditors to reduce your total debt. Typically, consumers can save up to 50% of their current total balances.
Credit Corrections
Over 70% of all credit reports contain some type of error. The purpose of a credit corrections program is to dispute all inaccurate and negative information reported on your credit profile to make sure your credit profile is up to date and accurate. We request that all three credit reporting agencies (Equifax, Experian and TransUnion) investigate all derogatory account(s) in question and provide proof that the creditor followed all points of credit law when reporting to the credit bureaus. The results of this program can increase your credit score and improve your financial profile.
"I just wanted to write to say thank you for all your help. It’s been a nightmare having these collectors call and harass us every day! It was finally time for me to accept the responsibility and take care of these debts and I’m glad I found you to help, so again, THANK YOU!"
Sandra
LaPlante
"Hello,
I just want to let you know how much I appreciate
your organization and how you've helped me. It feels
great to know that in only 9 more months I will finally
be DEBT FREE!!! "
Cynthia
"I
Can't thank you enough for all you have done! It's
nice to know I finally have this situation under control
"
