How it works

Getting lower credit card payments means you need a lower interest rate. There are a number of solutions available to help you reduce your interest rates so that you can get a lower payment on most or all of your credit cards. When money is tight, it can be hard to meet all of your monthly obligations. Once you fall behind, your debts can spiral out of control.

You may still have a choice! (more…)


These frequently asked questions can help you understand the impact of joining a debt management program. (more…)

Gaining lower interest rates through debt consolidation loans

One of the main benefits of having an excellent credit score is that you can take advantage of lower interest rates available through debt consolidation loans. Debts under $5,000 can sometimes be paid through an unsecured personal loan through your bank or credit union. If you have built substantial equity in your home, then you can cash out that equity and use it to pay off those high interest credit cards. (more…)

Does Credit Counseling Affect My Credit?

The goal of credit counseling is to have an effect on your credit. There is much information on this subject that is circulated by a wide variety of professionals and consumers alike.

The truth is yes, credit counseling does affect your credit. The effects are different than you might expect though. (more…)

Should You Consolidate Your Credit Card Debt?

Are you considering credit card consolidation? If you are looking for a solution to mounting credit card debt, then you could possibly benefit from it. Whether you are falling behind on your payments, have high interest rates, or you simply want to get out of debt, then consolidating your credit card debt could be the solution for you! (more…)