A professional financial consultant from our staff will review the preliminary information you will provide to us through our website (click here for our "free quote" , if you haven't already done so).

The consultant will then contact you and discuss your specific situation.

You will discuss your income and expenses with our staff counselor and we will suggest the most comfortable payment plan based on your budget.

We will instantly tell you what your monthly payment will be and how long it will take for you to become "debt free after all".

We then use your monthly payments to satisfy the negotiated creditor settlements and our fees.

We will send you written confirmation of each creditor settlement we make on your behalf.

We notify your creditors in writing that you are working with our organization to resolve your debts. The creditors are told that all future communications should be directed to our office. This helps stop creditor harassment and get you out of debt as quickly as possible, while saving you as much money as possible.

Once you have discussed your needs with our consultants, assuming your debts qualify, you can immediately enroll in the program.

Debt consolidation companies (also known as credit counselors) mainly get some reduction in INTEREST ONLY. These companies generally work for and on behalf of the credit card companies. It can take 5 - 10 years to pay off your debts, and you are paying off the full amount that you owe your creditors.

We work for you and our debt reduction program gets your actual debt balances reduced by 30% to 80% on average, and you can get out of debt in few months depending on your budget. For example, if your debt amount is $20,000, we will get it reduced on average to $8,000. This figure includes the amount you owe and the interest.

This is an agreement made by your financial consultant with EACH of your creditors stating that they will accept a lesser amount of money than you owe them as full payment, and stating that there is a "zero" balance on your account.

They realize it will benefit them to settle the account rather than lose the whole amount if you declare bankruptcy (as this is an unsecured debt).

Also, since our staff has a history of dealing with major lenders, creditors have come to realize that we fulfill negotiated settlements with the time frame agreed upon in the settlement agreement. And this is VERY important to them.

As we settle your debts your credit report income will stay the same, while your expenses will decrease. This helps strengthen your credit report. Your credit report will also show creditors that you did the honorable thing by paying off your debts, rather than filing for bankruptcy.

Bankruptcy stays on your credit report for up to 10 years. Our debt reduction program tells creditors that you did the right thing by paying off your debts and therefore helps your credit rating.

We work with most unsecured debts, such as credit cards, personal loans, department stores, etc. We do not work with secured loans such as car loans, (or leases), mortgages, home equity loans, student loans, boat loans, etc.

No, it would be wise to keep at least one credit card that has the lowest balance and interest rate for emergency purposes.

Our fee is 25% of the amount we save you. For an example; If your debt is $20,000 and we negotiate it down to $8,000 the savings are $12,000 x 25% = $3,000. The total fee in this example is $3,000.

Your net savings after the fee are $9,000. In essence you have reduced your original debt of $20,000 to $11,000 and that includes our fees.

Yes, the accounts will be closed because it is impossible for us to get settlements from creditors if you keep charging to the accounts.