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Debt Consolidation Help

For a free consultation from a Credit Counselor, please fill out the short form above and you will be contacted ASAP! All fields required. Please do not include mortgage or auto loan debt

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National Association of Certified Credit Counselors ISO 9001:2000 Certified on Quality Management System and BSI
Financial Education, Credit Counseling, Debt Management. You can find help with budgeting, credit card debt, loanmodification, and do-it-yourself resources.

Avoiding Filing Bankruptcy

Bankruptcy is a legal way to avoid repaying some debts in certain situations.  It should be used only as an option of last resort when there is no reasonable way to pay your creditors.

It is not the intention of this Web site to advise you to file, or not to file bankruptcy.  Only an attorney can do that.  We would like to inform you that there may be a more palatable option.  Credit counseling will not eliminate your debts, but it can significantly reduce your monthly payments and stop the collection calls.

The Congress is working on legislation to mandate credit counseling prior to filing bankruptcy.  This law can take effect any day now and you may be forced into court ordered credit counseling.  Consolidate your bills on your own terms and investigate credit counseling and debt management Today.

Debt Consolidation can:

  • Help prevent filing bankruptcy

  • Eliminate creditor harassment

  • Lower debt payments up to 50%

  • Provide one monthly payment

Filing bankruptcy will remain on your credit report for seven years after it is recorded.  Filing bankruptcy is likely to affect your ability to obtain a mortgage, a car loan, or a new unsecured credit card.  Your credit report may be pulled when applying for a new job, an apartment lease, and car insurance.   Prevent filing bankruptcy if at all possible.