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Frequently Asked Questions

Is your debt consolidation program expensive?

In a word, no. We deal with hundreds of individual clients each year, and our organization was created specifically to help consumers. Because many of our clients are in difficult situations, it is key that we help them without hindering them with high fees. In fact, we don't usually charge our clients until we are sure that we actually can help them. Certainly, we always recommend you contact us for a free consultation - whether you qualify for our program or not, our friendly counselors may be able to help you, or give you information you may not have been aware of.

What are Debt Management, Debt Negotiation and Credit Counseling?

Debt Management and Credit Counseling are used synonymously to mean a restructuring program under which payments are lowered and interest rates are reduced or possibly eliminated. We do offer debt management. Apply here for a free consultation. Debt Negotiation, however, is a more aggressive form of debt restructuring whereby your total debt principal is reduced as well. If you haven't read this part of our site already, please do read more about Credit Counseling here (((LINK) and Debt Negotiation here(LINK).

Every month, my credit card balances seem to stay the same, or get larger, despite the fact that I make my payments. My credit is still good, though. Do I qualify for your program?

Yes. Whether your credit is good or bad is completely irrelevant to whether or not we can help you. The unfortunate truth is that thousands of Americans are in the same situation, and although they try very hard, their balances never seem to go down. Here's a self assessment test: if you divide the amount of money you owe by the amount you make each year, you will get a number that is known in the industry as your debt-to-income ratio. If this number is over 50% (or .5), you probably could use help.

How long will it take to pay off my debts with your program?

Most people are able to get out of debt in 3-5 years after interest rates on their debts have been reduced and other penalties have been eliminated under a debt management plan. However, if you qualify for our debt negotiation program ((LINK), you may be able to get out of debt within 2-4 years.

What debts can be consolidated or negotiated with your program?
We can unfortunately only deal with unsecured debts, meaning those debts that do not have assets tied to them. While this means that we CANNOT consolidate mortgages, car loans, government student loans and taxes, we are very effective at reducing credit card debt, medical bills, department store and collection accounts.

Will debt consolidation or negotiation hurt my credit?

Debt Consolidation Advisors does not report to credit bureaus. In the case of credit counseling, your credit report will indicate that your debts were managed by a credit counseling agency. With debt negotiation, however, your debt is typically settled without any credit report entries, as this is usually a key part of the negotiation settlement process.

Should I consider filing for bankruptcy instead?

Bankruptcy should always be your last move when attempting to alleviate debt. Most individuals are not aware of the harsh consequences that bankruptcy can cause, including future credit problems and the fact that it may stay on your credit report for 10 years. Read more about the dangers of bankruptcy here. The fact is, if think you are going to need any type of credit at all within the next five years, you should probably avoid bankruptcy.

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