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  • Debt Buyers will purchase your debt!
  • Substantially lower monthly payments
  • Get debts off your credit while you
    pay back creditors!
  • Zero upfront costs to enroll in
    program!
  • Become debt free in 8-15 months!

Would you like to consolidate your credit card bills and free yourself from debt?

Our debt consolidation service is here to help you!

After you fill out the short online form with your contact information, a professional debt counselor will contact you and provide a free credit card debt analysis, and discuss your options.

You may then decide if the program is right for you.

Why Consolidate Your Credit Card Bills Through Our Website?

The answer is simple. You get a free, no-obligation credit card debt evaluation from a consumer recommended company.

  • Drastically lower or even eliminate interest rates!
  • Eliminate late charges and over the limit fees!
  • Substantially reduce your monthly payments!
  • Cut the years it takes to pay off your debt, fast!
  • Consolidate your bills into one simple payment!
  • No Credit Checks, Home ownership NOT required

Viable Options for those Buried in Credit Card Debts

Bill consolidation involves getting a higher loan to pay off various debts incurred. This is usually done for the purpose of getting a lower interest rate, securing a fixed rate or merely for the ease of having only one payment schedule. This program is done on a longer period of time.

What are the available options for debtors?

There are several credit card bill consolidation programs from which an individual can choose the easiest and least exhausting system of payment.

One option would be for the debtor to pledge collateral in exchange for the condition of having the debts paid off. Credit card bill consolidation program is usually the best answer for a lot of people. The availability of their asset, particularly their homes, makes it simple to put it as collateral. The interest rates on these kinds of loans are flexible and attractive if the debtor has a positive credit score. Unfortunately, this is not available for those with bad or with no credit score.

Another option to consider as a credit card bill consolidation program is to get a card which offers zero APR on balance transfers as an introductory rate. This option enables a debtor to transfer funds from high-interest cards to lower interest ones. However, a debtor has to be vigilant in paying the balance on these cards. The introductory rate is only available for a year and after that, the debt is usually charged with the usual high rates. Because of this, a debtor has to take note of the expiration of the zero APR on balance transfers.

A frequently used credit card bill consolidation program is to seek a professional debt counselor who can create a plan which will guide you in paying off your debts. He can set up a new loan at a lower interest rate or he can negotiate with the creditors about better terms of payment. Usually, these negotiations succeed in making viable terms of payment which can lower the debt and help the debtor be freed from debt the soonest time possible.

However, just like in any financial obligation, personal responsibility from the debtor is strictly required. He must be willing to limit his purchases to emergencies only. Additionally, he needs to learn how to budget his money wisely. There is a fee for this service and consolidators usually get paid by the creditors with whom he is working.

To avoid these instances, a credit card user has to be conscientious in his purchases. His card bills would really pile up if he did not take serious measures in controlling his purchases. GP