consumer credit counselling service

About Credit Card Debt Consolidation Service Debt Consolidation - A Consumer Credit Counselling Service

Are you a collection agency?

No, Credit Card Debt Consolidation Service is a consumer credit counselling service that works for our clients. Once you've filled out our application and decide to become a client, we will contact your creditors to negotiate better rates on your behalf.

Do you provide loans?

No, we do not provide loans. A bad credit consolidation loan will only get you further into debt. If you are over extended now, the last thing you need is more credit. We work with your creditors to reduce monthly payments, eliminate interest, late fees and penalties, all without a consolidation loan.

What do I need to do to qualify for your program?

All you need is at least $3,000 in unsecured debt to qualify for consolidation. If you desire to become debt-free, then click here to fill out our no-obligation consultation form and a counselor will contact you shortly.

How long does it take to get out of debt?

If you just continue to pay the minimum requested payments on your credit cards, it could take upwards of 20 years to pay off your high interest debt. With our consumer credit counselling service, most debt is paid off in approximately 4 years or less, even if your currently behind in your payments. Go to our debt calculator to see how long it will take you!

What are the benefits of debt consolidation?

Debt consolidation is a process of restructuring your existing high interest credit card debt and other bills with your creditors. We negotiate with all of your creditors to obtain the lowest monthly obligation needed to satisfy all of your current accounts. Debt consolidation is not a loan, but a process to lower your current monthly payments and interest rates.

With our consumer credit counselling service, you will be making one convenient monthly payment to us and in turn we disburse all funds to your creditors. In most cases, this new payment will be lower (perhaps by as much as 60%) than the sum of your current individual account obligations, and more of your money will be going on the principal.

For a FREE CONSOLIDATION QUOTE - click here!