Do YOU know the best way to get out of debt? 
    We are Certified Financial Health Counselors, Certified Credit Counselors, Certified Bankruptcy Counselors, and Certified Credit Consultants.  Our goal is to 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 get out of debt while avoiding serious damage to their credit scores.  A typical program is managed by a separate company and takes less than 5 years to pay off your debts IN FULL - not settled (settled is rfeported negatively on your credit report).

Debt Negotiation
    We have the experience and patience to work with your creditors on your behalf.  Did you know that most creditors and collection companies will negotiate balances, fees, interest, and penalties on your debt?  Do you have access to the right department or people to get the best results?  What type of debt do you have?  Current?  Assigned?  Purchased?  Do you have a court date?  Have a judgement against you? We work with them all. 

All negotiations come with a full money back guarantee.

Debt Settlement
    Debt Settlement is a structured program where your unsecured debt is paid after a period of time for a negotiated amount with your lenders.  While this may sound ideal because you can pay off your debt for much less, it will most likely do very serious damage to your credit for years to come. 
    If considering bankruptcy, you may want to consider this program first.  In this program 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.  We try to automate this process as much as possible, but it will still require both dedication and patience. 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.