What is Debt Consolidation?
A debt consolidation program is a process that allows a professional agency to reach an agreement with your creditors to achieve the lowest and most affordable monthly payment option needed to satisfy all your credit accounts

How much can I reduce my monthly payments by?
This will depend on how much you are paying at the moment and how long you want to take to repay the loan. But reductions in monthly payments can be as much as 75%.

Can I use the loan for more than debt consolidation?
Certainly. Consolidating your existing credit allows you to free up money for other things. You can borrow extra for that new car, boat or caravan, to pay for your dream holiday or so you can have the new windows or conservatory put in. The choice is yours, as long as you do not over-borrow.

Are my creditors going to continue to call me?
When you signup with a debt consolidation program, the firm notifies your creditors and demand they stop contacting you. It usually takes about 30-60 days for them to stop contacting you. In the meantime, you will keep a creditor log of every phone call or letter that you receive from a creditor and report it to your debt consolidation agency.

What is Bill Consolidation?
Bill consolidation is the process where we negotiate with your creditors to consolidate your debt and reduce your monthly payments.

What are some advantages to Bill Consolidation?
With a bill consolidation program, you will reduce monthly payments and be able to pay off debt sooner. Our bill consolidation partners will fight to waive your late fees and negotiate lower interest rates. The best advantage of bill consolidation is being able to take control of your credit situation.

How much can I reduce my monthly payments by?
This will depend on how much you are paying at the moment and how long you want to take to repay the loan. But reductions in monthly payments can be as much as 75%.

Will creditors continue to call?
When you join a bill consolidation program, our partners notify your creditors and demand that they stop calling you. It can take between 1 and 2 months before the phone calls completely stop.

Is it hard to qualify for Bill Consolidation?
We work with you to create a plan that works for your individual situation, whether you have good credit or bad credit.

What is debt settlement?
Debt settlement is the process of negotiating with your creditors so that you are able to pay off a certain percentage of the debt amount that you owe.

How does the debt settlement process work?
Debt settlement companies will work with you and your creditors so that you can pay the minimum amount of money back to your creditor. Creditors know that if you end up declaring bankruptcy that they may not have any chance at all of seeing any of the debt that you owe repaid to them

How long does it take?
The debt settlement process usually takes between 12 to 36 months, so consumers can wait for creditors makes the sensible decision to agree and negotiate. Besides the obvious benefit of debt settlement, another benefit is the help with creditor harassment.

What is a Home Equity Loan?
A home equity loan, also referred to as a 2nd mortgage, is a loan that is borrowed using your home as collateral.

What are some advantages of Home Equity Loans?
Most home equity loans have fixed interest rates that are much lower than credit card debt. Interest on home equity loans can be tax deductible.

What can I use a Home Equity Loan for?
You can use the loan for almost anything; however, many people use home equity loans for home improvement, debt consolidation, purchasing luxury items, or paying for college.

How long does a home equity loan take to close?
It generally takes about 2 to 3 weeks close.