There are many Debt Consolidation programs available to you. The most common program is know as consumer credit counseling.

In the CCC program you have a reduced interest rate and typically we can reduce your monthly payments as well. This will vary depending on the creditors that you are enrolling into the debt consolidation program.

However on average you can count on paying about 2.2% of your total balances combined. So if you have $10,000 in credit card debt, through the debt consolidation program you'd pay about $220 as your new monthly payment.

On average we can lower your APR or interest rates as well, to approximately 6%. Again this will vary depending on the creditors that you're enrolling into the program. If you're currently paying 10% or more this could be a decent discount to you, not only monthly, but on your overall balance that you end up paying.

The other debt consolidation program is called debt settlement. In this plan we can settle your debt for around 40% to 60% of what you owe and you'll have a much lower monthly payment than the other program.

The first step is calling one of our credit counselors to learn more about the debt consolidation program or begin by filling out the form on the online enrollment page. Click the time is money link to the right to start your online enrollment and get your free quote right away.