Convenience of only one monthly payment - When you consolidate debt, you will only have to make one monthly payment to the non-profit credit management company instead of multiple monthly payments to your creditors.

Reduction in interest - If you are only paying the minimum payment on your high interest credit card debt, it could take you 15-20 years to pay it off!  Our program works with your creditors to reduce your interest which in most cases, helps consumers become debt free in 3-5 years.

End creditor harassment - If your creditors are calling you at home or work, this program will put an end to the harassing phone calls.

Late and over the limit fees stopped - Many of your creditors will eliminate late and over the limit fees. That money would then be applied to your balances.

Do you pay only minimum payments on your credit cards? If you are only making minimum payments and can afford to pay more, you should. If you can only afford minimum payments or not much more than minimum payments, you are probably overextended and should analyze your budget and adjust your spending behavior. It is likely that if you are thrown into a situation that requires more financial resources, your situation will become unmanageable.