Express Debt Consolidation Services

We offer two services: express debt consolidation and debt negotiation. Find out which service is right for you.

Debt Consolidation

Our first service option is express debt consolidation. Debt consolidation is ideal for people who have many, high-interest debts. Express debt consolidation can help you get out of debt faster by lowering your interest rates. This option also maximizes your convenience, as you will only have to make one payment each month. You should consider express debt consolidation if:

• You have at least $5,000 in unsecured debt
• You are fairly current on all of your payments
• You have never previously consolidated
• You have many creditors
• You are paying high interest rates
• You want to improve your credit score

Debt Negotiation

Debt negotiation is a more intensive intervention than express debt consolidation. Debt negotiation is meant for people with high levels of debt and serious credit challenges. Debt negotiation requires you to stop paying your creditors for a time while your express debt consolidation company negotiates with your creditors on your behalf. On average, we are able to reduce the total payoff amount of our customers' debt by about 50%. You should consider debt negotiation if:

• You have over $20,000 in unsecured debt
• You have dropped out of a debt consolidation program
• You are seriously delinquent on your payments (more than three months)
• You are in danger of bankruptcy
• You understand the initially negative impact on your credit
• You want to reduce the total amount of your debt