Debt Consolidation / Credit Counseling

Consumer Credit Counseling also known as debt consolidation is a viable Bankruptcy Alternative for consumers experiencing financial difficulties and unable to make their minimum payments. Debt Consolidation is an alternative to bankruptcy in which we re-negotiate your interest rates and monthly payments with your creditors after assessing a potential consumers income and budget.
 
A Consumer Credit Counseling organization acts as an intermediary between you and your creditors. However, Debt Consolidation only reduces the interest rates and fees on your debts, not the balance themselves. By reducing these fees and interest rates, getting out of debt is possible in about five years. However, you will end up paying the full balance plus some interest. In addition, a higher monthly payment is usually required than a typical Debt Negotiation program.
 
When evaluating consumer credit counseling organizations, check to see if the organization is a for–profit or non-profit company. Non–profit credit counseling organizations are funded and supported by the credit card companies who you are making the payments to. This can create a conflict of interest, so be sure that the credit counseling organization is NOT collecting fees from both you and your creditors.
 
Debt Consolidation is right for some people. Particularly those who can afford the higher monthly obligation that is required in such a program.

Benefits Of Debt Consolidation

● Stop collection calls with debt consolidation
● Stop over-limit and late fees with debt consolidation
● Reduce interest rates on most credit cards with debt consolidation
● Lower monthly payments with debt consolidation
● Bring most credit cards current with debt consolidation
● One easy payment with debt consolidation
● Create a new budget plan with debt consolidation which will allow you to change your
   current  spending habits creating more wealth
● Have a more healthy lifestyle without the stress of high interest unsecured credit card debt

The Debt Consolidation Alternative:

Are you experiencing financial difficulties due to overwhelming debt and need Debt Help? If creditors are calling and you think you have nowhere to turn, there is a powerful alternative to credit counseling. Debt Settlement through Practical Debt Relief is the secret that everybody is talking about. The secret that the credit companies are trying to keep under wraps. The secret that YOU need to know about!
Fill out our simple contact form or pick up the phone today. One of our experienced debt consultants will be more than happy to tell you more about how we can help resolve your financial situation through one of our exclusive debt settlement programs.

The Debt Reduction consultation is free and there’s absolutely no obligation.