Credit counseling helps you get your finances back in order if you’re struggling to repay debts. Our counselor can help you develop a budget and give you personalized advice for paying off your debts. If your finances are in a worse shape and you require further assistance, our counselor can help you enroll in a debt management plan or may steer you towards debt settlement or debt consolidation programs. 

When you participate in a debt management plan (DMP), you stop paying your creditors directly. Instead, your monthly payments are sent to your credit counseling organization, which then pays each bill for you.

Debt settlement directly reduces the amount of money you are required to pay your creditors 

Bankruptcy is a type of financial assistance reserved for people with no other options. It helps people gain a fresh start by erasing their debts. But filing for bankruptcy does have lasting consequences. 

As most lenders and creditors deem individuals with a bad credit risky thus making securing loan out of reach or more expensive but with our consolidation program, we give individuals a benefit of doubt offering a second chance to make amends with their finances. Visit our various loan options so you can have an idea of the various options you may have access to if you’re a looking to consolidate your debts with a bad credit. 

During a debt consolidation program hard pulls will be carried out on your various accounts to have an idea of what to expect with your account and situation unfortunately these pulls will have a mild effect compared to bankruptcy. If you are already behind on your bills, your credit score will already be lower so the effects of our program may not be as severe. You have to decide if it’s better to resolve your debt now at a lower cost and then rebuild your credit  

There is always a possibility that any creditor can sue you. However, lawsuits are expensive and creditors try to avoid them. We aim to complete the program as quickly and efficiently as possible to avoid any lawsuits. 

Most forms of unsecured debt can be included in our Program. 

Credit repairs can’t be accomplished at one go as credit damages are attain progressively similar situation applies to repairs by staying on our Program, you effectively restructure your debt causing your credit rating to progressively improve.  

No. Debt Consolidation is not a loan; it is a debt relief program, which could involve loan. The main idea of debt consolidation is to either mitigate interest and principal debt co 

The whole idea surrounding debt settlement is the bargaining of indebted amount reducing the indebted amount. It is considered a feasible debt relief option.

 Your bankruptcy will be shown in your credit report for up to 10 years. It’s also a matter of public record. Any work or job that requires your background check might get affected. The effects of bankruptcy are unavoidable, but you can manage your finances even after debt settlement.

You can pay off all unsecured debts (medical bills, payday loans, credit cards, department store cards,) and specific secured debts contact a representative to know more about secured debts that can be settled with the program  etc 

Debt settlement requires less time, you can regain financial independence within a considerable amount of time. 

You can avoid creditor harassment when you enroll in a settlement program, you will no longer have to deal with creditors directly. 

You do not have to bother paying multiple creditors simultaneously and missing payments. Under the settlement program you are expected to only finance the settlement account. 

The goal of every lender is to retrieve leant funds without risking much in terms of value or profit losses meaning creditors it profitable to settle debts rather than selling them off to collection agencies at a comparatively lower price. 

The goal of every lender is to retrieve leant funds without risking much in terms of value or profit losses meaning creditors it profitable to settle debts rather than selling them off to collection agencies at a comparatively lower price. 

Most consumer debt can be eliminated through a bankruptcy discharge. If you forget to include a debt in the filing of bankruptcy paperwork, it will not be recognized for a discharge. Giving creditors the opportunity to ignore the discharge of that particular debt. 

There is no minimum amount of debt to qualify for bankruptcy. It is also important to keep in mind that there are limits on how many times you can discharge your debts in bankruptcy and a time spacing for which you can file for bankruptcy.

It is certainly possible for an individual to file for bankruptcy without a lawyer (or “pro se”). However, the rules and procedures governing the bankruptcy discharge process are extremely complex, and it can therefore be very beneficial to an attorney with experience in bankruptcy law our debt relief team comprises of vastly experienced lawyers who have handled numerous bankruptcy cases with numerous scenarios.