Our debt counseling service is a positive alternative to bankruptcy. We use our comprehensive legal knowledge of consumer debt, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act for your best interests. We assign a debt counseling account manager to each client that works for your best interest, and not your creditors or the credit cards you owe money to. We represent you by negotiating with your creditors to reduce the total amount of your debt and put a stop to the annoying phone calls that can add stress to your life. Additionally, we always settle your accounts under the lowest possible amount allowed by law – usually achieving a debt reduction of 60 to 80% or more with our debt counseling services. Most of the time, our debt counseling program allows you to settle all your personal debts completely in as little as 12 to 36 months with a payment plan that you choose and is flexible enough to change at anytime you cannot make payments.
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