Do I have to be behind on my debts to qualify for your assistance?

It depends on your specific financial situation. We help many people who aren't in financial trouble, but simply want to become debt-free more quickly. On the other hand, if you choose a debt resolution program, some creditors require that you are past due before they will accept a repayment proposal or offer benefits. Other creditors will require that your accounts be brought current with them before they will accept a proposal. Your consultant will advise you of any specific or special requirements.

• 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?