Why should I consolidate my debts?
Consolidating your debt can help you to increase your net income by reducing your monthly payments. As it become difficult to manage and pay the increased debts, which ultimately results into default and penalty while affect your credit rating.

What kind of debt can be included for consolidation?
Unsecured debts such as credit cards, medical bills, student loans, taxes and bank credit lines can be included in a Debt Consolidation program. However, secured loans such as mortgages or auto loans cannot be successfully consolidated.

Do I have to include all my debts in consolidation?
No we do not compel on which debts you should include. We offer preference to our customer to include the debt in the program, according to their need.

Will applying for debt consolidation cost me?
No. There isn't any cost or fees involved in filling out an application form.

What to do after application?
Once you have completed with your application. You will be contacted by our representative for an appointment with a debt counselor whereby you can discuss with him regarding the debt plan.

Will I be qualified for the debt consolidation programs?
Debt consolidation is not required by everyone who is in debt. Thus, our certified debt counselor will let you know after reviewing your financial situation whether he/she qualifies for the debt consolidation program. As sometimes, only credit counseling solves the problem.

Do I require good credit to qualify?
It's not necessary to have good credit to qualify. As far as you are not able to manage your debts and willing to pay towards your debts we can qualify you for our consolidation program.

Can debt consolidation improve my credit?
Yes it can. As through debt consolidation you make payment towards your debt which decreases your debt to income ratio and that is being considered by the lenders. It also shows debt paid in full in your credit report.

Will enrolling stop creditor's calls?
Yes enrolling will stop creditors call. After your enrollment in the program, you may receive call from the creditor for few days. However, you can divert the call to your assigned debt counselor telling about your enrollment to the program.

Will I still get monthly statements from my creditors?
Yes you will receive monthly statements from your creditor which will reflect your payments towards the debts for your information.

How long will it take to pay off my debts?
Period of paying off your debts depends on your amount of debt and the monthly payment made by you. So, it will depend upon how fast you make payments to your debts.

Will I have to cancel my credit cards with debt consolidation?
This depends on your credit card debt and credit history. It's a decision that will ultimately be made between you and the debt counselor.

Is debt consolidation better than bankruptcy?
Debt consolidation and bankruptcy have similarity in the way that both of this method helps you getting rid of debt. However, debt consolidation is a specialized method for paying off debt that can even improve your credit score while, bankruptcy will destroy your credit score for coming few years.

Is using online debt consolidation safe?
When apply for debt consolidation program through our company, you can take peace of mind in knowing that your financial information is safe. We use the most advanced thawte SSL123 method of online security to protect your information and thus taking our customer security very seriously.