See how fast you can get out of debt
Non Profit Debt Consolidation Program
Are you behind on your monthly bills because your debt is just too much to handle? If you owe $2,000, $10,000 or more than $20,000 in unsecured debt, debt consolidation may be able to help by making it easier for you to stay on top of your financial obligations. Debt consolidation is the process of combining your various unsecured debts into one manageable monthly payment, making it easier for you to get out of debt.
At CreditGuard of America, we’ve been helping people get out of debt for more than 25 years. In fact, we’ve helped people save over $1.7 billion in debt and interest charges. Our non profit debt consolidation program will help you stay on top of your finances by helping you pay off your debt faster and easier. We’ll also negotiate with the creditors on your behalf and put an end to your debt collection calls.
Benefits of Consolidating Your Debt
Consolidating your debts into a single payment saves you time and money while offering peace of mind by simplifying what you owe each month. Our program provides you with:
- One low and affordable monthly payment
- Lowered interest rates (up to 50%)
- Set, scheduled payments, which in turn can lead to less time spent in debt
What Debt Is Eligible for Consolidation?
Our program specializes in consolidating only your unsecured debts. This includes any debt that isn’t attached to a particular asset, whereas debt that is attached to a particular asset is considered to be secured. We’ll work with you to consolidate the following types of unsecured debt:
- Credit cards
- Medical bills
- Personal loans
- Student loans
Debt Consolidation Programs vs Loans
While they sound similar, debt consolidation programs and debt consolidation loans are two very different things.
- Debt consolidation programs offer a proven process for combining your various unsecured debts (such as credit card bills and student loans) into one manageable monthly payment. A certified credit counselor will work with your creditors to consolidate your existing loans – no additional loans are required.
- Debt consolidation loans present many risks and can actually hurt your credit because you end up paying more interest over time and may even have to use your home, car, or other assets as collateral in order to qualify. In this case, you risk losing these assets outright if you happen to default on your new loan.
Our Program Is Not A Loan
It’s important to note that our debt consolidation programs do not include any loans or other services that may not be in the consumer’s best interest. We never advise you take out any more loans, and we never advise anything that could potentially damage your credit.
Our Program Is A Safe Way Out Of Debt
When you decide to enroll in our debt consolidation program, the certified credit counselor that’s been personally assigned to you will contact all your creditors and negotiate with them on your behalf. If possible, they’ll bring your accounts current, reduce or eliminate your interest and discontinue penalty fees. This can lower your monthly payments by up to 50%.
In addition to this, your certified counselor will also provide you with free financial counseling so that you can learn to save money and make long-term changes to your spending habits. During your over-the-phone counseling session, you will provide your counselor with information regarding the debts you owe, your household income and your monthly expenses so that they can offer you informed and supportive counseling. After getting an idea of your financial situation, the counselor will provide options that match your resources, lifestyle, and goals.
Stop Surviving. Start Living.
If you’re ready to start living a debt free life and would like to learn more about our debt consolidation program, contact us online by filling out the form above or by calling us at 1-800-500-6489. As a non profit organization, we care about one thing…getting you out of debt and keeping you out of debt.
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.
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