By maintaining your regular monthly payments on time, your creditors are happy because they're getting paid and you become debt free in half the time and at half the cost. Best of all, you can have more money for you and your family!

Here's a brief overview of our non-profit consolidation program and benefits:

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.

How can we help

We are a Non-Profit Organization committed to assisting consumers who have are over extended with consumer debt. In addition to our debt consolidation program, we also provide you educational information. Our credit counseling services is designed to assist you in taking charge of your credit.

Is Bankruptcy an option?

Filing for bankruptcy can destroy your credit. Most financial institutions will not even consider a credit application involving a bankruptcy for at least 3-5 years.

What are my benefits for using a debt consolidation program?

With a debt consolidation plan you will set yourself in motion to get out of debt. A lower monthly payment will make it more convenient for you to pay off your debt, thus relieving your daily financial and emotional stress.

What kind of debt qualifies for debt consolidation?

Most unsecured debt can be included in a debt consolidation program. For example, credit cards, medical bills, student loans, taxes and bank lines are debts commonly consolidated. Secured loans such as a mortgage or a car loan usually cannot be consolidated successfully.

What are my rights concerning creditors?

We have posted the Debt Collection Practices Act so you may understand your rights and avoid becoming a victim to your creditors.

Do I have to pay anything up front?

There are no up front fees to examine your debts. We analyze your debt completely and explain the consolidation process prior to your acceptance of our services. If another company requests prior payment of any kind you must question why this is necessary. Any company looking to charge an up front fee must raise some questions in your mind.

What creditors participate in debt consolidation programs?

All major credit card companies, department store cards, hospitals and medical clinics, student loan bureaus and federal revenue departments to name a few.