Debt Consolidation America

We have been offering debt assistance to American and Canadian consumers since 2001.

Unfortunately many people find themselves in the debt trap and believe that bankruptcy is the only way out.

Debt Consolidation and/or Debt settlement is an alternative to bankruptcy. We offer assitance with both of these services.

The first, Credit Card Debt Consolidation Also known as Consumer Credit Counseling is not another loan that will only put you further into debt, it's a program where you repay your debt(s) in full however through a non profit agency it's just at a lower interest rate and a lower monthly payment (most of the time), all while keeping your credit score intact. The lower interest rates and structured monthly payments allow you to get paid off faster than on your own.

The second, Debt Settlement a.k.a. Debt Negotiation can have your debts wiped out for approximately 40% - 60% of your current balances. This progam will take about 1/2 the amount of time as Debt Consolidation and you'll have a much lower monthly payment vs. option 1. However the downside is that this will negatively affect your credit score since we're settling your debt for less than what you owe.

To give you a quick example of what you would pay on your own VS. credit counseling VS. debt settlement see below.

Let's say you exactly $12,000 in total combined credit card debt, with an APR of 17%.

• On your own your monthly payment will be around $280 and $170 of that is being applied toward interest, which means it would take you 32 years to get paid off and you'd pay a total of $29,905 including interest, that's provided your making the minimum monthly payment and nothing more.
• With Credit Counseling your monthly payment would be $304 for 58 months and including interest and fees you'd pay $17,629 saving you $12,275 and a lot of time.
• In the debt settlement program your monthly payment would be $226 for 36 months and in total including fees you'd pay $8,149 saving you thousands in interest plus an additional $4,000 of the balances itself.
• You need to ask yourself, at the end of the day how much do you want to pay? $29,000+, $17,000+, or only $8,000?

We know that you have questions about both programs, so please call us toll free at the number above or begin your free online quote by filling out the form, it will give you a side by side comparison of the two programs as well as show you how long it will take you to pay off with your current interest rates.

Have you already started your online enrollment for you free debt consolidation quote? Click Here to pick up where you left off.

For your free quote and to see what option is best for you...

Call us today 1-800-828-1477

Or fill out the short form for your free quote.

Fill out the Form Below for Your Free Quote!
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When is debt consolidation right for me?

• When you've found yourself in a position that you're having a hard time meating your monthly obligations.
• When you have little to no money left over at the end of the month.
• When creditors have have increased your interest rates due to you being late previously or sometimes they even increase your interest rate for no apparent reason.
• When you've decided that enough is enough and you want to gain financial control over your situation.
• When your tired of the majority of your monthly payment being applied towards interest and not the principle of your balances.
• When your ready to live debt free and free yourself of the burden of credit card debt.

 

The first step is to get a quote, call today or begin your free quote online. There's no obligation and getting a quote is absolutely free. Do you yourself and your family a favor and begin your quote right away to see how much we can save you on a monthly basis.