We can help consolidate unsecured bills such as credit card debt, department cards, loans to major debtors, judgments, medical loans, collections, IRS, repos, and past due utilities.

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Whats needed to qualify...

Its simple, you must have a combined total debts of over $5,000.00, more than one unsecured debtors you owe this too, a resident of the U.S, and that's it you qualify. It's that easy, now you can fill out our form below of a free debt settlement quote.

What exactly is debt consolidation...

debt negotiation is the process by which we negotiate with your creditors to obtain better repayment terms for you on existing bills. Under our debt consolidation service, monthly payments are often lowered and interest charges are reduced - even to levels between 0 and 5%! You save thousands of dollars in interest rates through a reduced payoff period, saving you years or even decades of payments.

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Why would the debtors be willing to lower my payments...

creditors are willing to participate in debt reduction hoping that they can avoid the expense of turning the accounts over to a collection agency. Agreeing to consolidate also lessens the likelihood of the client declaring bankruptcy.

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Will you contact my employer or report to the credit bureaus...

No. We will not contact your employer or report to the credit bureaus. A free debt consolidation quote has no obligations and no credit check.

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Do I have to pay a fee to use your service...

Our credit counseling agency does require a nominal contribution on your part to enroll in the debt negotiation plan. This nominal fee covers operation costs and will be included in your monthly payment. Our fee is lower than other credit counseling agency.

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Are my credit cards useable...

You cannot use any credit cards that are put in the debt relief service and we will be happy to explain all the details and what's expected from you by your creditors in our free consultation.

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What do I need to do to get started...

All you need to do is to fill out our form below for a free debt settlement quote, we will do the rest for you at no obligation and of course completely confidential.

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Will debt reduction hurt my credit...

We do not report to the credit bureaus. Given time, if you are in collections or over due on payments our service will improve your over all credit score.

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How will I know when payments are made on your program...

Each month you will still receive a statement through the mail indicating when a payment has been made. Or, simply login to our main site 24/7 and view your account status.