Do you provide
loans?
No we do not provide
loans. We provide a debt consolidation service which will allow you
to satisfy your
current obligation without incurring more debt.
Is your debt
consolidation program expensive?
No. We charge
a small management fee which is structured into your monthly payment
program and is
far below the amount of money we save you in reduced interest charges,
late fees, and total monthly
expenditures.
How quickly
can I get out of debt using your debt management program?
Most people are
able to get out of debt in 3 to 5 years after the interest rates on
their debts have been
reduced under a debt consolidation plan.
Can you improve
my credit rating?
Your credit rating
will improve when you begin showing a positive payment history, that
is, when your
debt is consolidated and creditors receive a regular payment stream.
Beware of anyone or an company
who claims that they can erase a negative credit rating. You can only
improve a credit profile by paying
bills promptly. When you have demonstrated a pattern of doing this,
your credit profile will reflect it.
Will using
your debt management services affect my credit rating which is still
good?
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It may be that
you have not missed payments but you still realize that you will never
be able to get out
of debt by paying only the minimum amount every month. In this case,
you are in financial danger but
your credit rating may still be very good. Once you have begun our
debt management program, Your
credit report will show a remark such as "under debt management"
or "managed by credit counseling".
Can you consolidate
things like a home mortgage and/or a car loan?
No, we work only
with unsecured debt which is debt that is not backed or underwritten
by an asset.
Do I need a
credit report to consolidate debts?
No. We work with
the creditors you SAY you owe .. however a credit report may be useful..
