How It Works

Get everything you need to know about express debt consolidation here. We'll explain what it is and how the process works.

About Express Debt Consolidation

Express debt consolidation is a practical and efficient way to get out of debt quickly. Many other forms of debt consolidation, such as a home equity loan, are very time-consuming. You have to go to great lengths to apply and get approved, and there are also usually a number of application and other fees. With express debt consolidation, you can get all the benefits of other forms of consolidation but with an expedited process. We can help you consolidate and get out of debt quickly and effectively. You will begin saving on your monthly payments immediately upon signing up, as we have already negotiated reduced interest rates with most major creditors. Once you become an express debt consolidation customer, we pass these exclusive low interest rates onto you. Check out our why express debt consolidation page for more details.

Express Debt Consolidation Process

The express debt consolidation process can be broken down in to a few simple steps. Here is how it works:

1. Complete our free, online application. You will first need to fill out our express debt consolidation online application. The application will ask you for minimal information and should only take a few minutes to complete. An express debt consolidation representative will then contact you to answer any questions you may have and complete the process.
2. We apply our reduced rates to your accounts. We have negotiated drastically reduced interest rates with most major creditors prior to your becoming a customer. When you sign up for express debt consolidation, we consult a rate sheet to determine the interest rates for creditors. We then apply these lowered rates to your debts to determine your new monthly payment.
3. You make one payment each month to your express debt consolidation company. After your debts are consolidated, you will simply make one payment each month to your express debt consolidation service. Many consolidation services even allow the customer to select the day of the month on which the payment is due. You usually can also sign up for automatic withdrawal so you never have to worry about writing a check.
4. We distribute your payment among your creditors. Once we receive your payment, we will then divvy it up among your creditors. This way, your bills will be paid on time always, and you never have to deal with your creditors. Your express debt consolidation service will do all of the work for you.