The Cost of Debt

Did you know...

50 to 70% of your minimum monthly payments only pays the interest on most credit card accounts? If you are paying the minimum payment, your balances will remain high while you keep paying the high cost of interest.

The average consumer takes 23 years and pays 2.4 to 3 times what they owe to pay back their debt? That's up to three dollars for every dollar you owe! And, you get nothing in goods or services for all these dollars!

Many credit cards are designed so you never pay them off? If you can't double or triple your minimum payments, you may never pay off some credit cards!

High credit card balances can disqualify you from obtaining a mortgage or car loan? To qualify for loans and mortgages you cannot exceed standards of debt to income ratios. Even with great credit, debts can stop you from meeting your goals.

You may be giving away your future if you are just paying your bills and are not saving? When all your monthly payments are going to bills, you cannot build a safety net for emergencies or save for your future plans. You will never meet your goals this way.

Your highest cost may be in the stress and time involved in handling personal debt? Have you stayed awake at night or spent your weekend trying to sort through the best way to pay off your debt? Let go of this stress and let us help!

Are YOU...

Tired of paying high interest on your credit cards? Even if you are easily paying your monthly payments, if you are carrying credit card debt from month to month you are paying too much in interest.

Wondering if the balances on your accounts are ever going to go down? This is the major complaint from most people. Remember, your credit cards are designed to keep you in debt. We can restructure your payments to get them paid off in just a few years or less.

Looking for a smart way to pay off your debt? Our debt consolidation company in a 501(c)(3) non-profit agency that specializes in helping people pay off their debts in the most cost effective way possible. It is in no way affiliated with any creditor, collection agency or government agency. They always have YOUR best interests in mind.

Using more and more of your income to pay your debts? If it seems like your debts are climbing while your spendable cash is declining, you can reverse this trend with better planning.

Juggling your bills to make ends meet and paying late or overlimit fees on your account? It is many times harder to catch up once you are behind on your payments or you are over your limit. This is the time you need help the most! Debt consolidation can stop late and over limit fees and bring your accounts current.

Avoiding your phone calls because your creditors or collection agencies are calling? There is nothing worst than having to take collection calls! If they are calling you at work, it could jeopardize your job! Our program will stop those calls!

Worrying about money a lot? There is nothing wrong with getting help. Let our experts help you make the smartest decisions for your goals.

DEBT CONSOLIDATION CAN HELP YOU!