Debt Consolidation loans can lower your interest rates if you qualify, but they do not save you any money on your principal balances. This is a good option for some people who are not struggling to pay their debt but unfortunately most …

Credit Counseling may be able to lower your payments. The credit counseling debt management plans collect one payment from you every month and distribute to your creditors. They can sometimes reduce your interest rates but if you miss a …

Unlike debt consolidation loans and credit counseling debt management plan, our programs reduce your principal balances and help you to resolve your debts in as little as 24 to 48 months and start rebuilding their credit long before they …