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Credit FAQ

What is debt consolidation?
Debt consolidation is not a loan, but a program that allows you to pay off your debts with good credit management. A debt consolidation specialist negotiates your debts into one low monthly payment. The negotiated reduced charges and lower interest rates help you repay your creditors years faster than you could on your own.

What am I able to consolidate?
You are able to consolidate any unsecured debt, which is debt not secured by any asset. Usually, for most unsecured debt means credit card debt. Other forms of unsecured debts that you can normally consolidate are medical bills, unsecured personal loans, gas and oil credit cards, retail store cards, and bank and finance companies. You are unable to consolidate secure debt such as mortgages, auto loans, and other through a debt consolidation services provider.

What is debt consolidation loan?
Unlike, a more efficient debt consolidation program in which your debts are restructured into a single low monthly payment, a loan consolidation is less efficient. A loan consolidation is a long-term loan that can take years and cost you thousands in interest. Compared to a debt consolidation program it is the less popular option.

What is credit repair?
Credit repair services work on your behalf to dispute any errors on your credit report and work towards having them removed permanently.

Should I choose bankruptcy?
Bankruptcy is meant to be the last resort because of its long term negative implications. A bankruptcy remains on your credit report for 10 years. You can also lose many of your possessions and your credit rating can be irreparably damaged, making it extremely unlikely to regain a good credit rating.

What about collection agency calls?
Once you are part of a debt consolidation program or consumer credit services program, a specialist informs collection agencies to stop calling you. Once you show your genuine commitment towards paying your bills on time, the harassing calls end.

How long does a debt program take?
The length of time for debt reconciliation varies by each person, the extent of your credit debt balance, and the amount you are able to pay monthly towards your balance. On average, it can take between 12-36 months which is considerably less than the 15-45 years it can take to pay off debt with minimum payments.

Can I pay more if I have more money?
Yes! After completing the quick credit analysis form, you can work with your personal debt expert to restructure your monthly payments to pay off your debt faster.

How do I know I am in too much debt?
There are some warning signs to alert you to any debt problems. If any of the two apply to you, consider getting debt counseling:
  1. You use credit cards to pay for daily expenditures, even basic ones like food
  2. You have zero savings
  3. You use cash advances to sustain yourself
  4. You have too many credit cards
  5. You keep transferring balances from one credit card to another
  6. You are thinking about filing for bankruptcy
How do I get started?
ConsumerCreditDebt.org makes it very simple and easy for you. Simply fill out the short online Freedom from Debt form at the top of the page and you can be on your way to debt relief. Once your form is received, a debt expert will contact you to discuss your specific problems and overtime, work with you to solve them.