Programs to fit your needs
Debt Management - Reduce interest rates, get out of debt and start saving
Debt management programs are for those who have a steady income and make payments on time, but still struggle to pay down debt due to high interest rates. Debt management programs bundle your debt into one low monthly payment and can lower interest rates, reduce debt-to-income ratios, improve credit ratings, and help you pay off the debt faster.
Debt Modification - Pay off your debts faster with a single monthly payment that you can afford
When debt becomes unmanageable, debt modification plans allow us to negotiate with lenders to modify existing creditor terms so that you can afford to pay off your bills in a timely manner. Outstanding debts are often settled for considerably less than the amount you owe, helping to avoid bankruptcy and ease your financial burden.
Debt Settlement - Avoid bankruptcy and settle your outstanding debts for less than what you owe
Debt settlement is a legal process by which a professional debt negotiation company works on your behalf in an effort to reduce creditor payoff amounts. (Credit card companies typically won’t negotiate directly with a consumer.) You’re likely to be surprised at how much a bank, credit card, or lending institution will reduce balances for when a debt settlement company reaches out on behalf of someone truly in need. Click here to see debt settlement examples.