We know that debt causes stress. You may not know which way to turn. You may be frozen and indecisive about the best choice. It’s vitally important to make a choice and move forward so you can have relief.

  Option 1 – Credit Management

This option is the more favorable option for those concerned about late payments reporting on their credit reports. By creditors participating in their own Interest Rate Reduction programs, you can save thousands in interest and pay your entire debt off in a few short years. With Credit Management, you get to move on with your life and rebuild. You don't have the stress associated with rude collectors threatening you.  You’ll immediately have peace of mind to start living vs. worrying and losing sleep!

 Option 2 – Debt Settlement

Debt Settlement allows you to make progress toward paying off debts. Debt Settlement can provide you immediate payment relief by reducing the amount you pay each month and with the total debt payoff. You avoid having to file bankruptcy to solve the problem. By using a qualified and reputable debt settlement organization, you will experience immediate positive benefits.

Debt Settlement allows you to save money over the long term by settling the debts for less than the full amount which always includes late charges, over limit fees and excessive interest charges.

  Option 3 – Bankruptcy

Bankruptcy is a serious choice with long term consequences. We recommend consulting with one or two attorneys and financial advisors before starting down this path. What are the impacts?
7-10 years on your credit and reported in Public records. You may not qualify depending upon your income and county of residence. You may only qualify for Chapter 13 which requires you to pay the debts over a long period of time. Make sure this is your only and best option before proceeding. Review all options with several professionals.

  Option 4 – Do Nothing

What are the impacts? Doing nothing actually hurts you financially and physically. You’ll continue to feel stress in virtually all areas of your life. Debt related stress can affect your health, your performance at work, and even your relationships. Taking action will improve the way you feel and your long term financial situation. 

Doing nothing costs you thousands in fees and interest expenses. It's like setting money on fire. The typical consumer spends $10,000 a year just in interest that has absolutely no value. What would you do with an extra $10,000?