Without One-Pay it will take you ten to fifty years or longer to become debt free. Use our special online calculator to see how long it will take you to repay your debts without our help. You can avoid filing bankruptcy or getting further behind on your bills. Most accounts are rapidly brought current if they are behind before One-Pay. Myvesta.org will serve as a good credit reference if you maintain a good payment record while on One-Pay.
Many clients successfully purchase homes and cars while on One-Pay.
We can even help you get a mortgage if you have a good payment history with us. We never report to the credit bureaus that you are on the One-Pay program. When you participate in One-Pay or any debt management program offered by a credit counseling organization, one of your creditors could report you are in a payment program. This would appear as a code 7 on your credit report and might prevent you from obtaining credit from some lenders in the near future. If you want to repay your debts without the possibility of a comment being made on your credit report, consider our AllPaid Plus program or let us help you find alternative solutions through our Crisis Relief Team , Debt Experts or Comprehensive Bankruptcy Alternative program.