After signing up to get help with our non profit debt consolidation, we contact your creditors and negotiate with them to have your monthly payments lowered and your interest rates reduced.

You then simply send one reduced monthly payment to our debt management program and we distribute the funds to your creditors on your behalf. You will still receive your monthly statements, so you will see your balances dropping.

If any of your creditors contact you, you can direct them to us. You’ll be assigned a personal account specialist to deal with any questions or situations that may arise.

In order to advise you on your debt consolidation options, we need some very basic information about your financial situation.

The first item we need is the total amount of unsecured debt you have accrued.

'Unsercured debt' differs from 'secured debt' in that unsecured debt has no collatoral attached to repayment of the loan.

For instance, an example of secured debt would be a home mortgage or car loan, where the borrower puts up their car or home as collatoral for the loan, to be forfeited to the lender (the bank) if they default on the loan.

Credit cards, for example, are typically unsecured debt.

We also need to know the severity of the unsecured debt so we can advise you on the most effective debt consolidation plans available, as different levels of debt severity have distinct debt consolidation options.