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CreditGUARD of America

See How Much Money We Can Save You!

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Military Debt Consolidation

Since the Recession of 2008, Americans have increasingly found themselves confronted with times of financial difficulty. At CreditGUARD of America, we’re here for all Americans, especially the men and women of the U.S. Armed Forces.

The men and women of the U.S. military are held to a higher standard than American civilians. Under Article 134 of the Uniform Code of Military Justice, the military forbids “all conduct of a nature to bring discredit upon the armed forces,” which could include delinquency on your credit accounts and bills.

Despite the standard of conduct military personnel must embody, many service members experience financial difficulties. Although the SCRA (Servicemembers Civil Relief Act) and the Military Lending Act provide certain protections against interest rates during a service member’s term of duty, the act does not offer protections to veterans.

As a nonprofit organization with an A+ rating from the Better Business Bureau, CreditGUARD offers a nonprofit debt consolidation program that does not include any new loans.

Military Debt Consolidation: How it Works

Our only goal is to help you get out of debt and remain debt-free.

Many companies offering debt relief solutions to military personnel and veterans are nothing more than predatory lending companies standing to profit from offering you a new loan. A debt consolidation loan does nothing to help you learn to manage money and avoid new debt.

Our certified credit counselors are professionally trained to negotiate with your creditors to lower your interest rates and set a low monthly payment you can pay. In addition to this, your certified counselor will also provide you with free financial counseling so 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 they can offer you informed and supportive counseling. After getting an idea of your financial situation, the counselor will provide options matching your resources, lifestyle, and goals.

Benefits of Military Debt Consolidation

In addition to having just a single bill every month, a nonprofit debt consolidation plan will also help you better manage your credit score because you’ll be making regular, timely payments. Not only that, but with the right plan, most customers can pay off their debt within three to five years, as opposed to the national average of around 30 years. You’ll avoid late fees and legal complications. Working with CreditGUARD will also provide you with the mental and physical relief of knowing you’re moving in the right financial direction, free of harassment from creditors.

What Happens When You Call?

When you call, a certified credit counselor will calculate your various secured and unsecured debts and work with you to help create an all-inclusive budget you can live with. Since the key to becoming debt-free is staying debt-free, we’ll help you learn what it means to live a life free of debt.

Unsecured Debt vs. Secured Debt

What do we mean by unsecured debt? Any debt not attached to a particular asset is unsecured, whereas debt attached to a particular asset is known as secured. Here are some examples:

Unsecured debt

  1. Credit cards
  2. Medical bills
  3. Personal loans

Secured debt

  1. Mortgages
  2. Car loans

Before calling, make sure you have:

  1. Your most recent monthly credit card statement(s)
  2. Your monthly household income
  3. A list of your various monthly bills and obligations

Take the Next Step

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 call CreditGuard of America at 1-800-500-6489 for more information on our nonprofit 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.