| Here is how the program works: We consolidate unsecured debts, mainly credit cards, department store cards, and personal loans into one monthly payment, generally the monthly payment is going to be MUCH LESS than what you are paying now!
Any time the Creditors see that you are getting on a Consumer Credit Program, they realize that this will then be an assured payment that will be on time and as agreed to a certain amount that will meet their requirements, therefore most of them will waive late fees, over-limit fees, re-age(bring current your account if you are delinquent), reduce and/or even remove the interest rates for you. Some of them may lower the monthly payment and the interest, others may simply do one or the other. This depends on the Creditors that you do have (we gather this information from you via one of our
Application On Line forms).
Then what we do is: Add up all of the minimum required payments of each of your accounts, and that's your monthly payment! If you decide that the monthly payment will work into your budget each month, then you simply need to decide what day of the month would be most convenient for you to make that ONE PAYMENT to us and we will rearrange your due dates accordingly and disburse the funds to your Creditors for you, so that they will all be paid on time. We DO NOT contact your Creditors until you decide you would like to Start the Program. GETTING STARTED:
If you feel that our Services may be of assistance to you, please complete an On-Line Application. One of our trained Credit Counselors will retrieve your Application and return your results back to you within "1" hour. |
