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Debt Consolidation Services

Looking for more information on debt consolidation? By consolidating your unsecured debts into one monthly payment, you’ll be able to lower your interest rates, lower your fees, and you’ll never have to worry about missing another payment again.

What is Consolidation?

Consolidation is the process of taking all your unsecured debts and rolling them up into a single (and more affordable) monthly payment. This makes the management and payment of all your various unsecured debts far more manageable.

But what do we mean by ‘unsecured debts’? When we say ‘unsecured’, we mean any form of debt that isn’t attached to a particular asset, such as credit card bills, medical bills, or student loans. These are all referred to as ‘unsecured debt’ and can be eligible for consolidation.

In addition to the ease of having just a single bill every month, a consolidation plan will also help to raise your credit score because you’ll be making regular, timely payments. Not only that, but with the right plan, most customers are able to pay off their debt within four to five years, as opposed to the national average of around 30 years.

Is Debt Consolidation Right For You?

But the real question is, how do you know if consolidation services are right for you and your own personal needs? Ask yourself these three questions:
1. Are you feeling overwhelmed by all your various monthly bills? Yes No
2. Are you constantly dealing with late fees and overdue payments? Yes No
3. Are you using one credit card to help pay off the debt of another? Yes No
If you answered YES to any of the above, then a debt management and consolidation program might be able to help. Of course, there are two ways you can consolidate your debts.
 

1. Consolidating on Your Own

While consolidating debt on your own is possible, it takes a little more know-how. You can manage your debt yourself by taking out a loan (usually from your local bank) at a low interest rate and then working to pay off your various smaller debts from that loan. The problem with consolidating on your own is twofold: A) the loan you’re taking out may result in less-than-perfect loan terms and rates, and B) you’ll miss out on our vast expertise and other helpful guidance, not to mention the fact that with us there are no loans involved.

2. Consolidating with CreditGuard

While it’s possible to consolidate your debt on your own, it’s not advisable. We’re able to negotiate on your behalf to help you find the best rates possible. We’ll work with your creditors to lower your payments and potentially waive your late fees and penalty fees. In addition to our consolidation services, we also offer free budgeting advice and other credit management tips so that you not only become debt free, you stay debt free.

Again, it’s important to note that our services don’t include taking out new loans; rather, they’re a means in which you’re better able to tackle your debt.

The Benefits of Having a Non-Profit Expert on Your Side:

Here are just a few of the benefits you’ll receive from our non-profit consolidation program:

  • Professional debt and money management help from trained experts
  • No late fees
  • No legal complications
  • Lowered monthly payments
  • Mental and physical relief from your unsecured debt

Debt Help and Relief

Contact us online or call CreditGuard of America at 1-800-500-6489 for more information on our non-profit credit counseling and debt counseling agency.  Certified credit counselors are available Monday - Thursday 8:00 am - 10:00 pm Eastern, Friday 8:00 am - 9:00 pm Eastern, Saturday 10:00 am - 6:00 pm Eastern. For online service 24/7, use the Credit Card Debt Analyzer to calculate your estimated interest and payment savings available through our debt management program. The call and initial consultation are complimentary, so give us a call today.

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