Can't I create my own repayment plan and get the same results?

Yes, you can design and administer your own plan. Our services are meant to simply get you moving in the right direction. We show you how to maximize your results in the most efficient and effective manner.

One note though, debt resolution plans not administered by a professional are usually not given the same concessions as those administered by an agency. (i.e.: if a consumer calls a creditor and asks for concessions due to hardship generally the creditor will make concessions for a period (30-60-90 days to 6 months) then they want to review the clients situation. Accounts that come through CCAs usually get concessions until the entire balance of the debt is paid in full.

• What types of debt can you help me with?
• How does your service work? Do I give you money to pass on to my creditors?
• How can you help me payoff my debt?
• Are your Financial Health Consultants qualified?
• Is it possible to settle my own debt?
• Can't I create my own repayment plan and get the same results?
• How do I know if I need debt assistance? How can I tell if my debt is out of control?
• How long does a consultation last?
• How long does it take for you to create my action plan?
• What happens during my consultation?
• Will I have to give up my credit cards?
• Who is responsible for getting payments to my creditors?
• How are consultations conducted?
• With your help, how long would it take for me to get out of debt?
• Do I have to be behind on my debts to qualify for your assistance?
• When I sign-up for service, what am I agreeing to do?
• Will my creditors know I have an appointment with you?
• Who will have access to the information I give you?
• Do you contact my creditors?
• Do I need a debt management plan?