Services We Offer
In addition to debt consolidation care, we also offer debt negotiation services. Learn more about our two services here.
Debt Consolidation Care Services
As explained before, Debt Consolidation Care is a service that combines debts into one easy monthly payment to reduce your interest rates and help you get out of debt faster. Debt consolidation care does not have a negative impact on your credit. Good candidates for debt consolidation care:
- Have $5,000-$20,000 in unsecured debt
- Are relatively current on your payments
- Are not currently enrolled in a consolidation service
- Are willing to cancel the credit cards included in consolidation
- Want to avoid damaging their credit
- Would like the convenience of one simple monthly payment
Debt Negotiation Services
In contrast to debt consolidation care, debt negotiation is a fairly intensive intervention. Debt negotiation is designed for those with significant amounts of debt. Utilizing debt negotiation requires you to discontinue paying your creditors for a period of time while we negotiate to reduce the your debt total. You make deposits into a holding account while we negotiate. When negotiations conclude, you will make one payment to your creditors to pay off your debts. We usually are able to reduce our customers' debt by about 40%. Good debt negotiation candidates:
- Have over $20,000 in unsecured debt
- Are in danger of bankruptcy
- Are seriously behind on payments (more than three months)
- Have dropped out of a debt consolidation care service or cannot make payments
- Understand the initially negative impact debt negotiation has on credit
