For more than 17 years, A+ Credit and Debt Help Center has been educating and helping consumers on financial management and assisting them in taking control of their financial future.

When you call A+., our courteous and helpful team members will review your

unsecured debt (such as credit cards, medical bills and personal loans) and secured debt (such as mortgages and car loans) as well as household expenses and personal income.

Our team understands credit and debt problems and can help you with a plan of action that best fits you. Based on your financial circumstances, our team will help you choose a solution that's best for you:

POSSIBLE SOLUTIONS:

A  Debt  Management  Program: is a consumer credit counseling service helping individuals consolidate unsecured debt into one easy payment so that they can get out of debt in 3 to 5 years. In addition to lowering monthly payments, many creditors will reduce or eliminate interest and stop charging late fees and over the limit fees. Most importantly, past due accounts can be re-aged, that is, shown as current.

Bill  Pay: should you have additional funds we can arrange a payoff with your creditors to get the accounts paid in full and help you get that information reported to all three of the national reporting bureaus.

Bankruptcy: should only be attempted after exhausting all other debt solutions, because bankruptcy will remain on your credit history for ten years.

Other Options: Budget counseling, refinancing, IRS payment plans, increasing income, sale of assets, and various credit report services.