A. Our budget consultation is free. Our counselors will provide you with a free analysis to help assess your budget situation and provide you with your best options.

A. Our Debt Management Program can help you with unsecured debts such as your credit cards, department store cards, medical bills, and signature loans.

A. Our Debt Management Program is focused on assisting you in regaining control of your finances and consolidating your debt into one monthly payment. We negotiate with your creditors to reduce your interest rates and set up payment plans. Most creditors provide benefits such as re-aging accounts to make them current, stopping late or over limit fees and lowering interesting rates.

A. A+ will work with you to come up with the best plan of action to get out of debt in approximately 60 months or less.

A. A creditor may report to the credit reporting agencies that you are working with a credit counseling agency. The impact on your credit largely depends on your future creditors. Some creditors see credit counseling as negative and others look at it as positive. However, the notation will not affect your credit score, which many lenders use to determine creditworthiness. Notations will be removed once you are done with the program. While you are in the program, you are advised not to open any new unsecured debt.

A. All accounts entered in the Debt Management Program will be closed.

A.  Yes, providing its not a bank of America or American Express account you are enrolling in the consolidation program. Those two creditors require ALL (unsecured) debts to be include.

A. Yes. You will continue to receive monthly statements from your creditors. The statements will reflect payments made through our Debt Management Program. Please review your monthly statements to make sure you receive accurate benefits from your creditors through our program. If you notice a problem you must notify A+ immediately. A+ is not responsible for issues or errors that are not reported in a timely manner.

A. No. All payments must be made through our Debt Management Program once you join. Payments made directly to the creditors could be viewed as a termination from our program by the creditor and would likely result in an increase in the interest rates.

A. No. Unlike bankruptcy, creditors recoup all monies owed to them through a Debt Management Plan. In bankruptcy, creditors receive little or none of the money owed to them, depending on the types of bankruptcy that is filed. Bankruptcy will not improve your credit rating. Bankruptcy will remain on your credit report for ten years. Through a Debt Management Plan, most creditors will report your account as current, thus improving your credit rating. For more information regarding the differences between Debt Management and Bankruptcy, please consult with a credit counselor at 1-800-505-8776.

A. No.  A+ is not a finance company or loan service. We simply negotiate with creditors on your behalf to work out an affordable new payment arrangement with a reduced interest rate, and disburse the payments for you to each creditor.

A. The new interest rate will be dependent on the creditor. Every creditor offers their own interest rate. For more specific information regarding the benefits a particular creditor offers, please speak to a credit counselor.

A. Many creditors will lower the interest rate immediately upon acceptance of a Debt Management Proposal. Others will wait for three consecutive payments before lowering the interest rate. *Policy varies by Creditor*

A. You can add an account at any time with no penalty, cost or fee.

In general, credit cards,( Visa, MasterCard, America Express, Discover) department store cards, (Macy's, Dillard's, JCPenny, Sears, Mervyn's, etc.) CLICK HERE For a full listing bills, student loans as long as its Sallie Mae,  store cards,(Home Depot, Lowes, etc.) gas cards, unsecured personal loans, back taxes, repossessions, old bills, collection accounts,  etc.

Any credit card account considered for consolidation will have to be closed in order for creditors to extend lowered payments, interest rate reductions and waiver of penalties.

In a word- YES! This is exactly what our program was designed for. We work with you to create a manageable budget that will allow you to pay off you debts sooner, with less money and still meet your everyday living expenses.

Just [Click Here] and we'll help you get started.