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CreditGUARD of America

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Military Debt Consolidation

uniformed military service member holding piggy bank in front of American flag

Dealing with Military Debt: Military Debt Consolidation

Members of the U.S. Armed Services experience debt problems. When it comes to credit debt, CreditGUARD has helped scores of military service members get their financial lives back on track.

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.

If you’re a member of the Armed Forces and you’d like to take the first step toward a better financial tomorrow, call one of our Certified Credit Counselors today at 1-800-500-6489.

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 help 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 free and confidential phone consultation, you will provide your counselor with the following :

  • Information regarding the debts you owe
  • Your household income
  • All your monthly expenses

This is so they can offer you informed and supportive counseling and help you make a budget that you can use to get back on track. After getting an idea of your financial situation, the counselor will provide options matching your resources, lifestyle, and goals.

Benefits of Military Debt Consolidation

A nonprofit debt consolidation plan will help you better manage your debt-to-income ratio 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.

  • The best part? You make one easy monthly payment.

What Happens When You Call CreditGUARD?

When you call CreditGUARD, a certified credit counselor will calculate your various secured and unsecured debts and work with you to help create a comprehensive budget you can maintain. 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

There are different types of debt, and CreditGUARD focuses on helping you deal with one specific debt category — unsecured 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 (CreditGUARD can help)

  • Credit cards
  • Medical bills
  • Personal loans

Secured Debt (CreditGUARD can’t manage these)

  • Mortgages
  • Auto loans
  • Secured debts

Before calling, make sure you have:

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

Take the Next Step

If you’re ready to start living for a debt-free tomorrow, contact us now.

You can do so online by filling out the form above, or call us at 1-800-500-6489 for more information on our nonprofit credit counseling and debt management agency.

When to Call CreditGUARD for Credit Counseling

Certified Credit Counselors are available to assist you during these times:

  • Monday – Thursday 8:00 am – 10:00 pm EST, GMT-5
  • Friday 8:00 am – 9:00 pm EST, GMT-5
  • Saturday 10:00 am – 6:00 pm EST, GMT-5