Do you know the best way to get out of debt? 
    As Certified Financial Health Counselors, we will teach you about a variety of different methods and programs that may help reduce your debt and make a better life for you and your family.  Here are some common methods:

Debt Management
    This program is for people who can afford to make their payments and want to avoid serious damage to their credit scores.  A typical program runs 5 years or less and pays off your debts IN FULL - not settled.

Debt Negotiation
    We have the experience and patience to work with your creditors for you.  Did you know that most creditors and collection companies will help negotiate your debt?  Do you know the right department or people to contact?  Do you know that sometimes a deal with them can actually be worse for you than when you started? We can help! 

Debt Settlement
    Debt Settlement is a structured program where your unsecured debt is paid for a negotiated amount with your lenders.  While this may sound ideal because you can pay off your debt for 30% to 60% less, it will do very serious damage to your credit for years to come. You may want to consider this program prior to a bankruptcy because you will not have to declare all of your assets as you will in a bankruptcy.  This is ideal for people with multiple homes, cars, cash on hand, and other assets they do not want to make full disclosure of to a bankruptcy court.  It is also a program that may be used if someone has a previous bankruptcy and may not be able to file again at this time.

Debt Stacking
    This is a tried and true method of eliminating debt.  It requires both dedication and patience, but will pay off.  Your debts are to be paid off from smallest to largest and can be used in conjunction with the Debt Negotiation or Self Directed Debt Management Programs.

Self Directed Debt Management
    This is our favorite program.  Our goal is to help keep you in control of your debt, make on time payments, and eliminate your debt.  We can teach you simple methods to accomplish this with or without the use of your current bank and computer software.