Choices


Knowing your choices can help you make a better, more effective financial decision. After reviewing your choices you may still have questions, if so contact us for a free no obligation consultation.

Debt Settlement - Debt Settlement is when we take your unsecured debt and significantly reduce your principle balance to give you One Low Interest Free monthly payment approximately 40% lower than your minimum payment with your creditors.  This program is ideal for someone who is in financial hardship, late on their payments, or about to fall behind on their payments.

Debt Management - Debt Management works with your creditors to lower your interest rates, so that more of your payments go toward your principle. Your payment is approximately the same as what you are already paying, however your term is reduced to approximately 36 - 60 months.  This is ideal for someone who is current on their payments, but can only afford making the minimum payments.

Home Equity Loan / Debt Consolidation Loan - This may seem great for some home owners with substantial equity in their home and good credit, however, keep in mind that you are transferring unsecured debt into secured debt and now risking your home as collateral if you can't make your payments.

Do Nothing - This is a creditors favorite! By making only the minimum payment on your credit cards, the problem is that it takes an average 6 years to pay off every $3000 in debt.

Bankruptcy - Bankruptcy was designed to be a consumer's last resort and has a devastating negative effect on your credit report that could last 7 to 10 years.  Keep in mind that bankruptcy is the worst possible scenario for your credit and is also public information. With new, more stringent bankruptcy laws many americans are looking for a solid solution.