How It Works

Everything you need to know about debt consolidation care is here. Find out who qualifies and how the service works.

Qualifying for Debt Consolidation Care

Almost anyone with debt can qualify for debt consolidation care services. We just ask that you meet a few simple requirements that are listed below.

  • Have at least $5,000 in unsecured debt
  • Have many, high-interest debts
  • Are fairly current on payments
  • Are willing to cancel credit cards included in consolidation

If you are unsure about what types of debt you have acquired, please visit our next page.

Debt Consolidation Care: Step-by-Step Guide

Sign Up Today!Debt consolidation care is a practical and affordable way to get out of debt quickly. Debt consolidation care works by arranging reduced interest rate agreements with most major creditors. We have preset agreements in which creditors have agreed to deliver our customers a lower interest rate not available to the public. When you sign up for our services, we will reference the reduced rates we have previously negotiated with your creditors and pass these savings onto you. Here are the basic steps involved in the debt consolidation care process:

  1. We have pre-existing arrangements with your creditors. Before our customers even apply for our service, we have already negotiated substantially reduced interest rates with most major creditors. Because of our clout as a company, we have secured rates that creditors are unwilling to pass onto the general public.
  2. You apply for our services. You apply for debt consolidation care by filling out our free, online application. We then give you more information about our services and enroll you.
  3. We consult our rate sheet to determine your new monthly payment. We look up our negotiated interest rate for each of your creditors to determine the amount of your monthly payment. We then apply these lower rates to your different accounts and combine all of your debts into one payment.
  4. You make one payment each month to your debt consolidation care company. Once we consolidate your debts, you will make one payment to us each month. That means you will only have one bill and one creditor to deal with each month.
  5. We divvy up your payment among your creditors. After we receive your payment, we will divide it up among your creditors to make sure your bills are always paid on time. As an added benefit, we deal exclusively with your creditors so you don't have to worry. No more harassing phone calls or overdue bills!
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