What types of debt can I include? Our credit card consolidation program is primarily

designed for credit cards (Visa, MasterCard, Discover, Amex). We CAN work with unsecured debts, including:  department store cards, personal loans (Citifinancial, Beneficial, etc), collection bills, or medical bills.

We CANNOT work with any secured debts, such as home loans, car loans, or payday loans. We also CANNOT help with tax debt, student loans, child support, loans from family, etc.

Is this a loan? No. Our goal is to get you OUT of debt, not create new debt for you. Our  consolidation program DOES accomplish what most people are looking for: One lower monthly payment and lower interest rates.

Can I still use my cards? No. In order to lower your interest rates, the creditors require that your accounts be closed. That means you cannot use the cards. However, if you choose to, you may leave a card off of our program and still use it during the debt consolidation process.

Do I have to include ALL of my cards? No. If you would like to keep a credit card to continue using it, you may do so. You would pay that separately from our program.

Can I pay more than the minimum payment? Yes. We encourage you to pay off your debts as quickly as possible. Any extra payment you make will go straight to the principle. Simply call us before your payment date to tell us how much you want to pay that month.

How does debt consolidation affect my fico score? When you enroll in the program, your accounts will be closed. Credit Card Debt consolidation may or may not effect your credit score. Depending on the creditor, they might place a foot note in your credit profile stating that your account is currently in a PP [payment plan] Your creditors are being paid on time each month, so your fico score will  go up. If you are behind on your bills now, our program will help you rebuild.   If you have good credit, you should be able to obtain secured debt (mortgage, car loan, etc) even while on the program.