Lower YOUR Loan MONTHLY PAYMENTS!

What is the best way to consolidate debt without it affecting your credit score?
If you were to use a Debt Management Program with a Consumer Credit Counseling service, as this does not report to the credit bureaus, your credit report may not even reflect that you are using a DMP to help pay off outstanding, unsecured debt. If a creditor does report that the account is being managed by a CCCS, this notation is removed once the account has been paid in full. .

What happens to my credit?

If you are already behind on payments, or you might be shortly, your credit is already impaired - you have too much debt compared to your income. This is known as a high debt-to-income ratio. To be considered credit-worthy again, you must drastically reduce or eliminate your debt, thereby reducing your debt-to-income ratio.

Is bankruptcy or consolidation better for your credit?

If the referrence is to a consolidation loan then that depending on the party's financial situation would be a better choice than BK. If the issue is whether a chapter 7 or 13 BK is the best choice, it is always preferable to pay debts even partially. However both are detrimetal to credit history. A 7 remains for 10 years a 13 when satisfactorily discharged remains for 7.

Do I have to won a Home?

You do not need to be a home owner to be able to consolidate debt.

How Long will it take to be contacted?

Providing that your contact information is correct, you will be contacted via email or phone, whichever you prefer, in less than 24 hours. In most cases, you are contacted within minutes of receiving your inquiry.

Will you check my Credit?

To receive quotes, a credit check will not be necessary.