Unsecured debt includes Credit Cards, Overdrafts, Lines of Credits, Payday Loans, Department Store, Old Utility/Cell phone bills, any items past due or in collections.
How do you pay off your debt fast?
“How do I pay off debt fast?” This is one of the most common questions we get from clients. The answer? You probably can’t. Debt takes a while to get rid of, and that is OK. Through responsible management and a conscious effort it can be eliminated but it can take months if not years to do so.
Can I qualify with Pension or Disability income?
Yes. Any income that is coming into the household qualifies as income for our Consolidation Options.
Will the creditors approve of the program?
Yes. We have been dealing with creditors since 1991 and have a blemish free relationship with them.
Can I make extra or lump sum payments into the program?
Absolutely. This will help you to become debt free sooner, and this is what we’re all about.
What happens to my Credit Rating?
Without getting too technical, your credit rating is a record of your bill paying history. If you have been late or missed monthly payments on your credit cards or unsecured loans, it has been reflected on your credit report.
Can I include Payday Loans in the Debt Plans?
Yes. We can include all unsecured debt such as Credit Cards, Overdrafts, Lines of Credits, Payday Loans, Department Store Cards and any bill in Collections or old utility bills that you are not using anymore.
Can I include my Mortgage/Car payment in the program?
No. They are referred to as secured loans and if the monthly payments are not made as prescribed in the loan documents the lending company will begin foreclosure or re-possession action.
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