Although you could try to get a consolidation loan or transfer balances to another credit account, this rarely solves the problem.

First, it is very difficult to qualify for a consolidation loan and the "robbing Peter to pay Paul" idea usually just causes more stress!

So, you realistically only have a few options:

Debt Management

Debt Settlement



Debt Management (Credit Counseling) 

If you are only able to make the minimum monthly credit card payments and your balances are barely going down, then a Debt Management program may be right for you.

Debt Management allows you to consolidate all of your unsecured debt into one monthly payment and offers the following benefits:

  • Better repayment terms are offered by most creditors. Most will lower interest rates, wave late and over the limit fees AND bring your accounts back to current without making up those missed payments. This can save you thousands over the life of the debt!

  • Pay off your debt faster. You’ll be able to pay off your debt in three to five years rather than the average 10-15 years'

  • One, easy payment each month. Your credit cards and other unsecured debts are consolidated into one monthly payment.

Debt Settlement

You may not qualify for a Debt Management Program.

If so, Debt Settlement may be your best option.

Debt Settlement is a program designed for people:

  • Who are starting to become delinquent on their payments, or...
  • Some or all of their debts have gone into collections.

Advantages of a Debt Settlement Program:

  • ONE, LOWER monthly payment, based on your situation (income, budget, etc.
  • Settle balances at less than the current balance, saving you thousands of dollars in principal and interest
  • DEBT FREE in 36-48 months
  • Rebuild you credit score

We can settle most unsecured debts such as:

  • Credit Cards
  • Lines of Credit
  • Medical Bills
  • Unsecured Loans
  • Collections
  • Repossessions



If after counseling with us, you may find yourself in a situation where BANKRUPTCY would be your best option.

You should consult one or two BANKRUPTCY ATTORNEY  to determine what type of bankruptcy is best for you.