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CreditGUARD of America

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Credit Card Debt

Did you know the average U.S. household has over $15,000 in credit card debt? Worse still, most credit cards have interest rates that can range anywhere between 10 and 30 percent, meaning the amount you’re paying in interest over time can often exceed your original debt.

If you’re suffering from excessive amounts of debt, you’re not alone. In fact, over 43 percent of Americans currently owe more than they earn.

That’s where we come in. At CreditGuard of America, Inc., our job is to put an end to your debt. Our certified and highly trained credit counselors work with your lenders and creditors to help lower your interest rates and combine your various bills into one easy monthly payment.

Our non-profit agency takes a hands-on approach to help consumers get back on track with their bills. We offer three simple solutions to help nip your debt in the bud. They are:

  • Credit card consolidation
  • Credit card debt management
  • Effective budget management

What is Credit Card Consolidation?

It’s actually quite simple: Our consolidation programs help you lower your initial payments and avoid paying high-interest fees by literally joining all your various bills into one monthly payment. It’s easier for you, and it’s easier for your lenders. All you have to do is make one manageable monthly payment which will include all of your various bills. We’ll also work to potentially get your late fees and over-the-limit fees waived as well.

Debt Management

We also offer various credit relief programs to help you negotiate lower rates with your creditors. Through these plans you’ll be able to make affordable payments and help get back on track with your finances.

Our debt management specialists work with–not against–your creditors to lower your monthly payments and reduce or eliminate your credit card interest. Depending on the creditor, we may also be able to waive all late fees, penalty fees and bring your accounts back to a “current status” within a few months.

Budget Management

In addition to tackling your debt, our credit counseling service also provides a variety of effective budget management tools, including credit management tips, household budgeting advice and other monetary management strategies to help you budget successfully.

Contact us online or give us a call at 1-800-500-6489 for more information on our non-profit credit counseling and debt counseling services. Our certified credit counselors are available Monday – Thursday 8:00 am – 10:00 pm Eastern, Friday 8:00 am – 9:00 pm Eastern, and Saturday 10:00 am – 6:00 pm Eastern. The call and initial consultation are complimentary, so give us a call today!

Check out our other pages for more information on credit card debt:

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