Q. What is debt consolidation?
A. Debt consolidation is a process by which we negotiate with your creditors to obtain the lowest monthly obligation needed to satisfy your current accounts. All your individual account obligations are then consolidated into one low monthly payment.

Q. Why can your company do this?
A. We have a trained staff of debt consolidation professionals with experience dealing with major creditors or all sizes. Our company has built an unrivaled relationship with these creditors and or able to negotiate the bost possible outcome for you, our client.

Q. Will this affect your client's credit report?
A. Our client's credit report will indicate that accounts are under a debt management program. This won't necessarily adversely affect your credit. The majority of creditors understand that people who enter a debt consolidation program are attempting to repay their obligations in good faith. Most lending institutions are more willing to extend credit to such individuals.

Q. Why would the creditors be willing to lower my payments?
A. Creditors are willing to participate in debt consolidation hoping that they can avoid the expense of turning the accounts over to a collection agency. Agreeing to consolidation also lessens the likelihood of the client declaring bankruptcy.

Q. Will you contact my employer or report to the credit bureaus?
A. No. We will not contact your employer or report to the credit bureaus -- nor will we contact anyone other than your creditors.

Q. And this is NOT a loan?
A. Correct. You do not need to be a homeowner to qualify for our program, nor do you need to take out a loan with us in order to consolidate your debt!