Debt Consolidation Loans and Services-How Our Debt Consolidation program works

Customer satisfaction is our #1 priority. Once enrolled in our program, a client specialist will help you every step of the way- from budgeting to a personalized debt repayment plan, creditor relations, and account updates all to help insure a smooth transition on your way to becoming debt free.

The purpose behind our debt consolidation program is to keep creditors content with timely monthly payments while benefiting you with lower monthly payments and a reduced payoff term. This is done through negotiating with the creditors on your behalf to reduce or eliminate the interest that accrues monthly.

You will be able to consolidate all types of unsecured debt through our debt consolidation program. Unsecured debts are loans or accounts with no tangible property attached. This includes all major credit cards store cards; medical bills; personal loans; phone bills; and closed utility bills.

Here are the steps taken:

1- You fill out the short On-Line form and submit it to us. We will then contact you to get the specifics on how we can best help you.

2- We negotiate with your creditors:
After we have all of the necessary information about your debts and finances, we will contact your creditors and negotiate on your behalf.

AND- We Stop the Harassing Phone Calls for you! When we contact your creditors we will let them know that you are currently working with us in putting together a "Debt Consolidation" plan. At this point all harassing phone calls will stop. If any collection agency or creditor calls you, just give them our customer service number and we will take care of it for you.

Lower Your Monthly Payments To One You Can Afford
Eliminate Or Reduce Your High Interest rates
Eliminate Late & Over Limit Fees
Re-Age your status to current again, saving your credit rating

3- Approve the Agreement
We give the negotiated settlement to you for your approval. Once this process is complete all you need to do is start mailing out your NEW LOWER monthly payments.

4- Debt free, free at last.
Due to the eliminated or reduced interest rate, most of your payment will be paying off principal instead of interest as before. The debts will be paid off in 2 to 4 years in most cases, instead of 20 to 30 years. This will result in saving you thousands of hard earned dollars in finance charges.

Click here for your free quote to get out of debt fast and easy!

If you are looking for low rate refinancing or a 2nd mortgage, go here.

For those of you in the military, you can go here for a military advance loan.

Would you like to help the people in Phuket Thailand who suffered from the tsunami. The red cross would be a good place to start.