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

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

A. Debt Management Program is focused on assisting you in regaining control of your finances and consolidating your debt into one monthly payment. Negotiations are made 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. We will work with you to come up with the best plan of action to get out of debt and depending on the plan of action you choose you can be out of debt in approximately 3 to 5 years !

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 usually 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. Sometimes, depending upon your creditors mix.

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

A. No. All payments must be made through the Debt Management Program once you join. Payments made directly to the creditors could be viewed as a termination from the 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 one of our courteous and helpful team members at 1-800-505-8776.

A. No.  A+ is not a finance company or loan service.

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 one of our team members.

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

A. You can add an account at any time for just $5.00.

In general, credit cards,( Visa, Master Card, 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! - depending on the final plan of action you choose. If you choose a Debt Management program, you can pay off your debts sooner, with less money and still meet your everyday living expenses.

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