A Debt Consolidator negotiates with creditors to create the ideal repayment plan for you. We assess each client's financial situation, good or bad credit and tailor a program that satisfies the client's needs.

Our in-house debt consolidation program provides you with the following benefits:

• Reduction of monthly payments up to 60%
• Consolidation of ALL obligations into one low monthly payment
• Reduction and/or elimination of high interest rates
• Waive late fees and finance charges
• Re-aging your past due account to show current

You will be assigned to a trained credit counselor. Your counselor will review your debts and financial situation and tailor a program that satisfies your individual needs. Our agency will then negotiate with your creditors to reduce and/or eliminate high interest rates, waive late fees and other charges, and re-age any past due accounts to show as current. You make one easy affordable payment each month which will be deposited in a trust fund. Your payment will be distributed each month proportionately to each creditor. Your financial information is kept strictly confidential.

This is all done without the need for taking out a loan. And because this is not a loan, our debt consolidation program does not require you to put up collateral, such as a house. We accept any unsecured debt, such as credit card bills, personal loans, medical bills, student loans, and utility bill to name a few.

With our specially designed program, you can save monthly by reducing your interest rates and lowering your monthly payments. By significantly reducing the interest, you will drastically cut your pay off time from 15-20 years down to 5-6 years. This will result in saving you thousands of hard earned dollars in finance charges..

We have thousands of clients across the country, and have an existing relationship with many of your creditors and lending institutions. Our experience in dealing with creditors is unequaled in the industry. Because we are recognized by creditors as a leading provider of debt consolidation services, this allows us to obtain more favorable terms for our clients. For example, if you have a $6,000 debt with Citibank at 20% interest, our counseling agency will likely be able to get Citibank to reduce your interest rate and monthly payments significantly. You can get out of debt sooner and begin building financial security.

Our debt consolidation program is a "win-win" situation for the consumer, and is quickly becoming the recommended way of effectively dealing with excessive consumer debt. We can save you up to 60% on a monthly basis and thousands of dollars over the life of our program.

If you're ready to make a fresh start and become completely debt free and fix that bad credit then click here for a FREE consultation!