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Frequently Asked Questions |
What is debt consolidation? Debt consolidation is a process of restructuring your existing debt with your creditors. Debt consolidation is not a loan, but a way to lower your monthly payments and lower (sometimes even eliminating) the interest you are currently paying. Is Bankruptcy an option? A bankruptcy will destroy your credit. Most financial institutions will not even consider a credit application involving a bankruptcy for at least 3-5 years. What are the benefits of using debt consolidation? A debt consolidation plan you will set you in motion to get out of debt. Lower monthly payments will make it more convenient for you to pay off your debt, thus relieving your daily financial and emotional stress. Can I Still Use My Credit Cards? Any credit card account considered for consolidation will have to be closed in order for creditors to extend lowered payments, interest rate reductions and waiver of penalties. Can You Help Me If I'm Behind Or Not Paying At All? YES! This is exactly what our program was designed for. We work with you to create a manageable budget that will allow you to pay off you debts sooner, with less money and still meet your everyday living expenses. How Do I Get Started? Simply fill out our creditor listing form with the requested information. Click and submit. How Long Will It Take? You will normally receive your free quote within 24-48 hours. |