Q. What is debt consolidation? Debt consolidation is a method by which our professional consolidators negotiate with your creditors to drastically lower your monthly payments and reduce high interest rates. This type of service is also a common choice for people wanting to stay clear of bankruptcy and avoid being harassed with phone calls from collectors. Q. How long will it take to get out of debt in your program? Depending on the total amount of debt to consolidate, clients are typically able to become debt free within 3 to 5 years, versus the 15 to 20 year timeframe, they were on prior to joining our program. Q. Can I consolidate my auto loan or my mortgage? Yes. Mortgages and auto loans are types of secured loans, and are not eligible for our debt consolidation program. But, we can include them into your payment to give you ONE monthly bill. Q. What types of debt can I consolidate? We can consolidate any unsecured debt, including credit cards, medical bills, department store cards, collection agency debts, lines of credit, past-due utility bills, personal loans, repossessions and student loans. Q. Will debt consolidation negatively affect my good credit? We DO NOT report anything to the credit bureaus and we also ask the creditors not to report anything, except, that you are paying your bills in a timely fashion. There are always some DIFFICULT creditors, which may choose to report that your debt is being paid through a third party. This is very rare and simply indicates to future creditors that you've taken responsible steps toward paying down your debt. Creditors will also look favorably upon the regular payments you'll be making through the consolidation program. Q. Do you provide loans? No. We strongly advise against you taking on any further debt if your already in a financial bind. Under our program, you don't need to take out a loan to become free of debt. We negotiate with your creditors to lower your monthly obligations and reduce or eliminate interest rates. Your payoff term is drastically reduced and you save thousands in interest charges in the end.