Need a Debt Stimulus Package for Your Debt?

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FAQs

How do I quality for the credit card consolidation programs?
While credit may not be for everyone and some may not need any programs to consolidate debt, the best way to truly find out if you need debt consolidation help is to call our toll free number or complete the application. Debt specialists can assist you to determine your financial situation and, with you help, can plan the best course of action to mange debt.

How does your debt consolidation program work?
We help to connect people with debt specialists who volunteer their time to give you a free debt consultation in an effort to help eliminate debt. Debt specialists can go over your options and plans that can help reduce and eventually eliminate debt. If you like the options presented and are a candidate for debt reduction then the debt specialists will then enroll you in the program.

Do I get to use the credit cards I submit for debt consolidation?
Any credit card accounts that you submit for credit consolidation can no longer be used. Because you turned to a program that helps to eliminate debt, you can no longer use those accounts that you are trying to pay off. Also, should you be aware that creditors offering you lowered payments or interest rates during consolidation will require that you no longer use your accounts.

If you would still like to continue using a card, sign up at your bank for a debit card, which takes money out of your checking account, or a secured credit card. Secured credit cards allow you to fill your account with your own money, set your own limits and use it just like a credit card. This is a great way to re-establish your credit rating while exercising financial discipline.

Can I choose my monthly payment date?
Once you have decided to fully commit to a debt reduction program, you and your debt specialist can set up the monthly payment date. Choosing your payment date is important to the program since we want to help you achieve your goals. Settling a payment date that does not conflict with too many other expenses is vital.

Will I still get monthly statements from my creditors?
Creditor will still keep sending you monthly payments. However, these statements are only for your records and reflect your lower interest rates and payments.

Can I make my payment electronically?
Your payments can be easily set up for electronic bill pay. Once you have enrolled, just ask your specialist for the best course of action to setting up electronic bill pay.

Can I add more accounts after I'm enrolled in the program?
Debt specialists are more than happy to help you in an which way they can. Adding another account is just another way to help you get out of debt. If you would like to add another account, just contact your specialist to provide him/her with the informaiton.

If I have a little extra money, can I make a larger payment on some months?
Absolutely! We encourage you to make to payments every month and if you have the capital available to make a larger payment, we absolutely encourage you to do so. After all, this is your debt that you are paying off. The faster you get out of it, the sooner you can start living without it.

Can I withdraw from the debt program at any time if I so choose?
Although we would never want to see you leave, you can withdraw from the program if you choose to. These programs are completely voluntary and you are under no obligation to stay if you do not want to. However, if you do choose to leave, all the benefits created for you will end.