We can help negotiate unsecured debts such as credit card debt, department cards, loans to major debtors, judgments, health care loans, collections, IRS, repos, and past due utilities.

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What do I have to do to qualify...

Its simple, you must have a combined total debts of over $5,000.00, more than one unsecured creditors 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 reduction...

debt reduction is the process by which we negotiate with your creditors to obtain better repayment terms for you on existing bills. Under our debt reduction 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 creditors 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 settle also lessens the likelihood of the client declaring bankruptcy.

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Will you need to 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 settlement quote has no obligations and no credit check.

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Is this service free...

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

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Can I still use my credit card...

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

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How do i get started...

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

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Will debt consolidation 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 deposits are made on your service...

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.