Find out if you are eligible for a Debt Relief Program by using our free qualifier tool below. If you are eligible for this program you will be given a Security PIN Number on the confirmation page with details on how to obtain your Debt Relief Program.

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Debt Consolidation,Debt Relief Program FAQ

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Eligibility for Reduction and Settlement Requirements

How do I know if I am eligible?
You may be eligible if:

You currently have unsecured Credit Card Debt of $10,000.00 or greater.
You currently have Credit Card Companies that are charging you over a 19% interest rate.
The re-structure of your Debt will improve the long term affordability or stability of your payments.

I'm current on my Credit Card Payments.Will a Credit Relief Program help me?

Eligible clients who are current on their credit card payments but have recently been struggling to make the payments due to any Hardship Circumstance may qualify. Due to the economic conditions; as well as, the Housing Market Decline most candidates have faced some sort of Financial Hardship.

What is the Difference Between Secured Debt and Unsecured Debt help me?

The most straightforward way to understand the difference between unsecured and secured debt is to work out if your creditor can take away any item or property in the case that you are not able to repay the overdue amount in time.
The basic difference between secured and unsecured debts is that in unsecured debts there is no tangible property or any other kind of product that is attached to that debt, whereas for a secured debt there are tangible items that are attached to the debt. Common examples of unsecured debts are arrangements such as credit cards, medical bills and store cards where you do not have to put up any material as security for the debt. On the other hand, things such as mortgages and car payments usually have tangible items attached to it, ie.:your house or car

What type of Debt may be Reduced under a Credit Relief Program?

Currently the program is only available for Unsecured Debt (Credit Cards); however, ask your customer advocate when given your Secure Pin Number if they have any solutions for other types of Debt. Some Examples of Qualified Debt are as follows:

Credit Cards (VISA, MasterCard, Discover)
Department Store Credit Cards
Gas Cards
Collection Accounts that are not court ordered judgments or client has been served a subpoena
Personal loans "unsecured" from lenders not relatives etc.
Repossessions (Vehicle, Boats, etc.)
Disconnected Utilities
Disconnected Cell Phones

THE BOTTOM LINE!
If your amongst the Millions of United States Citizens who are drowning in debt due to Economic or personal Hardship you more than likely qualify for Credit Relief. If you are paying High Interest Rates, Struggling to pay your payments on time or are looking to shorten the repayment terms to get out of debt, you probably qualify.

The Best Thing You Can Do Is Use Our FREE Credit Relief Tool And See If You Qualify!

In an effort to define a Debt Relief Program the first thing to understand is the difference between a loan designed to consolidate debt and a true Debt Relief Program. A secured loan by definition is typically secured by real property such as a home. A secured loan is considered relatively low risk and therefore usually has a low interest rate. In contrast, this program is considered an alternative to taking out a secured loan. It is the process of centralizing all your debt into one monthly bill and negotiating with credit card companies to settle the debt for less than the total amount owed. Use the qualifier tool listed above; as well as the phone number provided to determine if you might benefit from this program.