With debt counseling, the process of managing your debt is simplified into one convenient low interest payment that you can afford. This one payment satisfies all of your unsecured obligations, saving you thousands by reducing your interest rates and the number of monthly payments. Late and over limit fees are very often eliminated by making regular, on time monthly payments and delinquent accounts may be re-aged to current status again enabling your credit rating to be improved.

1^st. The First Step is yours:
Simply fill out our online form

2^nd. A Customized Plan Is Created
After receiving all the pertinent information about your debts & finances, a financial counselor will review and prepare a program tailored to meet your specific needs. You will be then contacted at the number you provided within 24 hours.

3^rd. Approve The Agreement
The plan is then sent to you for approval. Simply sign the forms and fax it in.

4^th. Once you have enrolled,
The creditors you have provided to us are contacted and informed that we are putting together a "Debt Management" program. If any collection agency or creditor calls you, just give them your Client ID # with our customer service number and have them call us.

5^th. You Become Debt Free
Due to the eliminated or reduced interest rate(s), most of your payment will be paying off principal instead of interest. By cutting the pay off time from 15-30 years down to 4-6 years, this process can drastically save you thousands of dollars in finance charges.