Have your bills become more than you can handle?
Are you being harassed by creditors?
There are solutions available that are better alternatives to bankruptcy. Consolidating your debt will allow you to save your hard earned money, cutting monthly payments by as much as 60%, and getting you out of debt in as little as 12 to 36 months.
The organizations that can help with consolidating your debt are non-profit Consumer Credit Counseling Services (CCCS). These services have established agreements with creditors to provide reduced rates, sometimes as low as 0%.
Remember, these creditors want to make their balance back. They want to help you pay back the debt, even if they have to sacrifice years of interest payments from you.
Why consolidate your debt?
* Lower interest payments
* Payoff balances faster
* No more creditor calls, letters or threats
* No need to declare bankruptcy, and ruin your credit
* Rebuild your credit score
With any CCCS, they will help you establish a debt management plan for consolidating your debt. You will have one monthly payment at reduced interest rates and often with waived late fees. This will allow you to pay off debt in months instead of over years or decades.
The debt consolidation programs are confidential and convenient.
In addition, if you are receiving constant calls from creditors, consolidating your debt will stop these calls as you will be on a program with the creditors.
If you are behind on payments, feel overwhelmed, or are being harassed by creditors, this is the time to start consolidating your debt!
DEBT CONSOLIDATION INSIDER TIP:
As all these organizations work with the same creditors, you won’t get a “better deal” or lower interest rate through one CCCS over another when consolidating your debt. However, they have different payment policies and may or may not charge different fees and percentages on top of your monthly debt payment. So our recommendation is to click on several and contact them for free quotes, then compare what works best for you.
Also, be sure to verify their 501 C3 non-profit status and contact the Better Business Bureau to make sure there are non complaints from other customers who consolidated their debts.
GOOD LUCK!
