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What is Debt Consolidation?
Debt consolidation combines all of your unsecured
monthly bills into one lower monthly payment and a lowered
interest rate. Although our service is NOT A LOAN we are
able to assist clients in dramatically reducing their overall
interest rate, monthly payments, and, most importantly,
pay-off time.
This is done through a non-profit credit
counseling agency that is designed to assist consumers in
the repayment of their unsecured debt. Creditors receive
certain tax savings for contributing to the program, in
return they offer reduced interest amounts sometimes as
low as 0%. But only through an approved nonprofit credit
counseling agency can you obtain the best rates.
CLICK
HERE for a FREE consultation from an approved nonprofit
agency and learn how much money this service can save you.
How does the program work?
A certified credit advisor will contact your
creditors to get your interest rate and monthly payments
reduced to an amount that you can afford to pay. Many credit
counseling agencies already have working relationships with
these creditors and they will know exactly how to get the
best deal for you.
In addition, you no longer pay your creditors
directly. All of your debts are consolidated into one manageable
reduced payment to the credit counseling agency. The credit
counseling agency, in turn, pays your creditors, on your
behalf, monthly.
CLICK HERE for a FREE
consultation from an approved nonprofit agency and learn
how much money this service can save you.
How much money can I save consolidating my
debts?
Most credit counseling agencies can help
to dramatically lower your overall monthly payments as well
as your collective interest charges. An example of a client
with a $4,000 balance on Citibank, MBNA, Chase, and Associates
cards for a total of $16,000 in debt with an average interest
rate of 22% would see the following benefits from a debt
consolidation program:
Current Payment: $650/month Current Interest
Rate: 22%
New Debt Consolidation Payment: $340/month! New Interest
Rate:
10.95% Fixed!
Monthly Savings = $310 per month and 11% in interest charges!
CLICK
HERE for a FREE consultation from an approved non-profit
agency and learn how much money this service can save you.
How much does this service cost?
Amazingly, your creditors subsidize all or
a large part of most debt consolidation services. Before
you say this sounds too good to be true, keep in mind that
your creditors are not lowering your interest rate and making
it easier for you to make smaller payments out of the goodness
of their hearts. They realize if they don't help you out
a little you may file bankruptcy and they will likely collect
nothing.
Through debt consolidation services they
can at least recoup the principal on your debt. In addition,
you will notice that most credit counseling agencies are
organized as "non-profit" companies. This allows
the creditors to recoup a significant portion of the "lost
interest charges" through tax write-offs.
So take advantage of this great service.
Contact us for a completely free consultation and a certified
credit advisor will teach you how you can begin saving on
your interest charges within a couple of days.
CLICK
HERE for a FREE consultation from an approved non-profit
agency and learn how much money this service can save you.
Will I still receive harassing phone calls?
Upon enrollment into a debt management program
your collection calls will begin to dissolve as the non-profit
credit counseling agency begins to handle your account.
Within as little as 2-4 weeks you can begin to answer your
telephone again knowing it will not be a creditor.
CLICK
HERE for a FREE consultation from an approved non-profit
agency and learn how much money this service can save you.
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