Benefits when you consolidate debts:

• 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.

• Improve credit - If you are currently behind on your payments, many of your creditors will "re-age" your accounts once you begin the program. This means they will bring your accounts current, which will improve your credit rating.

• Lower monthly credit payments - We can reduce your monthly credit card payments by 30-50%.

• 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.