Debt Consolidation - Frequent Questions

1) I am undecided on what type of debt help I need, what does an initial consultation cost?
You can get a free initial consultation and free quote by clicking on the "free quote" link.

2) What is debt consolidation?
Debt consolidation simply means that instead of paying every bill that you have separately, you can consolidate them into one. For example, if you have student loans with several different loan companies, you are paying the balance due for each one each month. If you consolidate your student loans, you would now only have one loan and one bill every month. Consolidation can be done with many different types of debt including credit card debt, medical bills, and other installment payments.

3) Do I need good credit to be eligible for debt consolidation?
No, it is not necessary to have good credit to be eligible for debt consolidation. Many people have severe credit problems and with debt consolidation and good budgeting, have been able to work themselves out of debt.

4) Besides debt consolidation what are my other alternatives to getting out of debt?
You have many alternatives, including bankruptcy. Debt management, debt settlement, and debt reduction also offer choices in helping you get out of debt. A debt counselor can help you explore all of your options before you make the decision to file for bankruptcy. You would definitely want to make sure that you have done everything possible to avoid this "ten-year" mistake.

5) My credit card debt is becoming overwhelming, what services are available for this type of debt? Many times, credit card companies are not willing to work with their customers on reducing the debt; utilizing a professional debt service can assist you with possibly reducing your debt and negotiating lower interest rates. If credit card debt has become an unmanageable monthly expenditure, we encourage you to seek professional debt help. A solution is just around the corner. Click here to explore your debt relief options today.