credit debt counseling program Frequently Asked Questions

What kind of debt can I consolidate...

We can help negotiate unsecured debts such as credit card debt, department cards, loans to major creditors, judgments, health care loans, collections, IRS, repos, and past due utilities.

.

How do I qualify...

Its simple, you must have a combined total debts of over $5,000.00, more than one unsecured creditors you owe this too, a resident of the U.S, and that's it you qualify. It's that easy, now you can fill out our form below of a free debt settlement quote.

What exactly is debt reduction...

debt reduction is the process by which we negotiate with your creditors to obtain better repayment terms for you on existing bills. Under our debt reduction plan, monthly payments are often lowered and interest charges are reduced - even to levels between 0 and 5%! You save thousands of dollars in interest rates through a reduced payoff period, saving you years or even decades of payments.

.

Why would the creditors be willing to lower my payments...

creditors are willing to participate in debt reduction hoping that they can avoid the expense of turning the accounts over to a collection agency. Agreeing to settle also lessens the likelihood of the client declaring bankruptcy.

.

Will my employer be contacted or report to the credit bureaus...

No. We will not contact your employer or report to the credit bureaus. A free debt settlement quote has no obligations and no credit check.

..

Do I have to pay a fee to use your service...

Our debt settlement organization does require a nominal contribution on your part to enroll in the debt settlement plan. This nominal fee covers operation costs and will be included in your monthly payment. Our fee is lower than other debt settlement agency.

.

Are my credit cards useable...

You cannot use any credit cards that are put in the debt negotiation service and we will be happy to explain all the details and what's expected from you by your debtors in our free consultation.

.

How do i get started...

All you need to do is to fill out our form below for a free debt negotiation quote, we will do the rest for you at no obligation and of course completely confidential.

.

Will debt settlement hurt my credit...

We do not report to the credit bureaus. Given time, if you are in collections or over due on payments our service will improve your over all credit score.

.

How will I know when deposits are made on your plan...

Each month you will still receive a statement through the mail indicating when a payment has been made. Or, simply login to our main site 24/7 and view your account status.

 

Still have questions, email or chat live with us!
 
  Home  l  Contact  l  Program  l  Company  l  Faq's  l  Privacy  l  SiteMap  l  Warnings  l  Resources  l  Testimonial  l  Advice

 © 1999-2009 credit debt counseling program Inc. All rights reserved. l  rss  l  blog

Debt Consolidation Program blog

How Debt Consolidation Helps You Avoid Bankruptcy

02/04/12 6:14 pm

Any company that doesn’t address these security needs really should not be considered as a viable provider of financial services. An intelligent consumer will work adequate research to the options and capabilities of a particular company before signing an agreement. In times of financial difficulty, bankruptcy may seem like the only solution. Debt consolidation is one [...]

All About Consolidating Student Debt Posted By : Jennifer Quilter

02/04/12 6:14 pm

debt management program creditors After graduating you have enough problems on your plate. For instance, what are you going to do with your life? You need to get a new job, place to live, everything is going to change! And to top it all off, you have repaying your school debt to worry about. One way [...]

How To Consolidate Your Debts With Loans For The Unemployed

02/01/12 5:47 am

Debt consolidation offers debtors hope of creating complete payments on many debts without having to concern yourself with many payments every month. You will find good and bad approaches to consolidate debt, there are a few different types of companies on the market that call themselves ‘debt consolidation services’, Many people, today, find themselves deep in [...]

All About Consolidating Student Debt Posted By : Jennifer Quilter

02/01/12 5:47 am

Debt settlement program After graduating you have enough problems on your plate. For instance, what are you going to do with your life? You need to get a new job, place to live, everything is going to change! And to top it all off, you have repaying your school debt to worry about. One way to [...]

Debt Consolidation – 7 Smart Questions To Ask Before Choosing A Debt Consolidation Company

01/29/12 6:21 pm

best debt consolidation program Some people who are in debt feel so worried that they are not in as advantageous a position as they should be when it comes to making important decisions. One hugely important decision is choosing a debt consolidation company, if this is going to be the most suitable route. Read this article [...]

All About Consolidating Student Debt Posted By : Jennifer Quilter

01/29/12 6:21 pm

debt management program creditors After graduating you have enough problems on your plate. For instance, what are you going to do with your life? You need to get a new job, place to live, everything is going to change! And to top it all off, you have repaying your school debt to worry about. One way [...]

Debt Consolidation Through Online Credit Counseling

01/26/12 1:36 am

national debt assistance program The importance of debt consolidation cannot be overlooked today when people are used to spending extravagantly even before they have earned the money. Before the turmoil, loans and credit cards were distributed in abundance and there is a natural tendency of purchasing more with credit cards more than what is your actual [...]

All About Consolidating Student Debt Posted By : Jennifer Quilter

01/26/12 1:36 am

credit debt counseling program After graduating you have enough problems on your plate. For instance, what are you going to do with your life? You need to get a new job, place to live, everything is going to change! And to top it all off, you have repaying your school debt to worry about. One way [...]

How Can Someone With A High Debt To Income Ratio Get Out Of Credit Card Debt?

01/23/12 3:12 am

When you approach a debt consolidation reduction company, they’ll assess your financial predicament, ask you to provide extensive details about your financial situation, the speed of interest attracted by each debt account etc. Thereafter, they are going to negotiate with your creditors to be able to enjoy a lower interest rate. Once the interest rate [...]