We offer two main debt consolidation reduction services: debt consolidation and debt settlement. Both services were designed to help you get out of debt as fast as possible while spending less money. We will describe both services in detail here.
Debt consolidation reduction, or debt consolidation, combines your debts into one manageable loan to save you money. The first step to debt consolidation reduction is our free debt consultation. During the consultation, we will evaluate your debt situation to assess how we can best help you. Next, we will put you in touch with an accredited, non-profit debt consolidation company. This company will help you set up your monthly payments and will serve as a mediator between you and your creditors. Instead of making multiple payments to your creditors each month, you will make one payment to your debt consolidation reduction company on a due date of your choosing.
The non-profit will then divvy up this amount among your creditors, which means your bills will always get paid on time. Debt consolidation is best for people who:
Another variation of debt consolidation reduction is debt settlement. Debt settlement is for people who are in serious debt trouble and need a more drastic intervention. With debt settlement, you will need to stop making payments to your creditors for a while. We ask you to do this so your debt consolidation reduction company can negotiate better terms on your debts. While these negotiations take place, you will make payments instead into an account that we will set up for this purpose. Your payments will earn interest in the meantime. Once we have negotiated with your creditors to reduce the amount of your debt, we will take the balance of special payment account to pay off your creditors. After that's done, you will be debt-free. Debt settlement is best for people who:
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