We negotiate with your creditors to reduce payments and interest in exchange for maintaining regular monthly payments. We then share out this payment between your creditors and pay them a previously negotiated amount. Your creditors are satisfied that you are trying to straighten out your debts and that they are receiving a regular amount every month. The benefit to you is that you now make only one payment each month at an amount that you can afford, and you are no longer being bothered by your creditors. No more late fees and the reduced Interest Rates save you money every month.
Debt consolidation can also reduce the total monthly payment amount.
We will provide full disclosure as to how we are helping you. We will not contact your employer or anyone else other than your creditors. All your dealings with us are entirely confidential. If collection agencies are calling you at work and jeopardizing your job, they may not be in compliance with the law. Credit card companies and other creditors usually re-age accounts that have undergone debt management.