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Your Choices!
What you can do with your debt?
Debt Consolidation
Take all of your debt and combine it into one large loan. Pay down the debt over time. You will pay back the entire debt along with interest associated with the loan.
Debt Counseling
Works with your creditors to pay off your debt over time. Attempt to lower your interest rates on your cards to pay down the debt over time, Usually your credit is impacted negatively and you pay back the entire amount of your debt along with some interest and fees.
Do Nothing
Keep paying the minimum payments on your debt, typically only covers the interest associated with the account. You need to come up with the amount of the principal at some point (entire amount of debt) and you are paying high rates and fees over your lifetime. If you are just paying the minimums you will most likely never be out of debt even after 30 years.
Debt Settlement
We negotiate your with your creditors on your behalf to settle your debt for a fraction of what is owed. You pay into a savings plan that builds over time and is available when the creditor is ready to settle for less than what is owed. This plan is typically a 2 to 4 year process (whichever is convenient for you) and is structuredto help you be free of Credit card or other unsecured debt. The amount you are putting away in your savings plan is typically less than your current minimum payments are, saving you money now and working to a point where you have zero debt in a short time.
