Debt Consolidation
Lower Rates
One Payment

Debt consolidation combines multiple debts into a single loan or payment plan with better terms. Instead of managing multiple credit card payments, personal loans, and other debts with varying interest rates and due dates, you get one predictable monthly payment, often at a lower interest rate. This simplifies your finances and can save you thousands in interest charges.

Savings vary based on your current debt situation, but most clients save 40-60% on their monthly payments and thousands in total interest. For example, if you have $50,000 in high-interest credit card debt at 24% APR, consolidating to an 8.9% rate could save you over $30,000 in interest and reduce your monthly payments by $500 or more.

Initially, there may be a small temporary dip due to the credit inquiry, but debt consolidation typically improves your credit score over time. By lowering your credit utilization ratio and making consistent on-time payments, most clients see their credit scores increase by 100+ points within 12-18 months.

Most unsecured debts can be consolidated, including credit cards, personal loans, medical bills, payday loans, store cards, and some student loans. We cannot consolidate secured debts like mortgages or auto loans, but we can help you manage these alongside your consolidated payment plan.

While good credit helps secure the best rates, we work with clients across all credit ranges. Even with poor credit, consolidation can still provide significant benefits. We have programs for credit scores as low as 580, and for those with damaged credit, we offer debt settlement and management alternatives.

The initial consultation and approval process typically takes 2-5 business days. Once approved, it usually takes 1-2 weeks to pay off your existing creditors and set up your new consolidated payment. You could see relief from multiple payments within 3 weeks of starting the process.

Debt consolidation combines your debts into a new loan with better terms - you pay back the full amount owed. Debt settlement negotiates with creditors to accept less than the full balance. Consolidation is better for those who can afford payments but want better terms, while settlement is for those facing financial hardship who cannot pay the full amounts.

Our initial consultation and debt analysis are completely free. If you choose to move forward, fees vary based on the consolidation method. Personal loans may have origination fees of 1-6%, while debt management plans typically charge a small monthly fee of $25-50. We're transparent about all costs upfront.

This depends on your consolidation method and personal financial goals. With a consolidation loan, your credit cards remain open but we strongly recommend not using them to avoid falling back into debt. With debt management plans, cards are typically closed. We'll help you create a plan that supports long-term financial success.

Missing payments can result in late fees and potentially higher interest rates, just like any loan. However, because consolidation typically results in lower, more manageable payments, missed payments are less common. We also provide ongoing support and can help modify your plan if you experience temporary financial difficulties.

For most people, yes. Debt consolidation allows you to pay back your debts with better terms while avoiding the severe long-term credit damage of bankruptcy. Bankruptcy stays on your credit report for 7-10 years and can affect your ability to get loans, housing, or even employment. Consolidation helps you become debt-free while rebuilding your credit.

Debt consolidation works best if you have steady income, manageable debt levels (typically under $100,000), and are committed to not accumulating new debt. If you're struggling to make minimum payments, have high-interest debt, or are juggling multiple due dates, consolidation could provide significant relief. Our free consultation will help determine the best solution for your situation.