Gerri Detweiler focuses on helping people understand their credit and debt, and writes about those issues, as well as financial legislation, budgeting, debt recovery and savings strategies. She is also the co-author of Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights, and Reduce Stress: Real-Life Solutions for Solving Your Credit Crisis as well as host of TalkCreditRadio.com.
thankyou for the imformation it was very helpful and as of today i’m going to my up stairs and get all of my childrens toy’s and different things that are in really fair condition and start selling thing to get out of dept i’ve always been a stay at home mom i’m going to get a part time job and start doubling up on certain depts thankyou we recieved a letter from out morgage company and they told us our house payments went down and i told my husband no you still need to pay the same amount but add more money to the payments
A personal debt consolidation loan provides funds you can use to pay off your credit card balances in-full, leaving only the loan to pay back. Loans tend to have much lower interest rates of 10% or less if you have the right credit score, so you can minimize interest charges and get your debt on a more manageable fixed payment schedule. With the right terms, you can get out of debt without a hassle in less than five years.
Help from debt collectors is available. Find how to get help from debt collectors and learn how to stop collection calls. Families being impacted by this can also receive other assistance, whether free legal aid or counseling. Many government laws and regulations can also help protect you from aggressive collection tactics. They are intended to asisst the everyday consumer. Find how to get help from debt collectors.
American Consumer Credit Counseling is a nonprofit organization that offers credit counseling services, debt management services, and financial education to consumers nationwide. With branches in various parts of the country, as well as certification to do business in all 50 states, ACCC aims to help Dallas residents manage their credit card debt and gain financial peace of mind.
Understand the basics of good credit counseling. Many nonprofit credit counseling agencies offer both free and paid services, Kalkowski says. They may offer complimentary consultations, financial literacy workshops or even one-on-one budgeting sessions free of charge. However, if you sign up for a debt management plan, expect to pay for the service. Debt management plans through nonprofits often have a startup fee of $30 to $40 and monthly fees of $20 to $40.
What if I have $60k+ student loans, $14k credit cards spent on medical bills, etc., from the last few years of waiting on disability? What do I do? I will never be able to do the job that my degree holds or most likely any job for that matter. My ss Will be around $1250/month. I don’t even know how I will live on that. I have never been able to get a mortgage to the student loans. Thank you.

DMP: The fact that you’re participating in a DMP isn’t calculated into your credit score, although it will be noted on your credit report. That said, other consequences of the DMP will have an effect. For instance, closing your accounts will affect the amount of credit you have available and could impact your credit history, both of which figure into the credit score algorithm. To learn more about how credit scores are calculated, visit Learn How Debt Affects Your Credit Score.

If your finances have taken a turn for the worse and you find yourself drowning in debt, a debt management program may help you keep your head above water. These programs, also known as debt management plans or DMPs, are a form of debt relief in which a counseling agency works with your creditors to reduce your monthly payment to a level more suitable to your current situation.[1] A DMP may be able to help you negotiate lower interest rates, get late fees waived, work out a payment schedule that's acceptable to you and your creditors, and consolidate your monthly payments into one. However, keep in mind that all DMPs charge fees, and some can be excessively expensive or even fraudulent.


They start by reviewing your income, expenses and credit score to determine whether how creditworthy you are. Your credit score is the key number in that equation. The higher, the better. Anything above 700 and you should get an affordable interest rate on your loan. Anything below that and you will pay a much higher interest rate or possibly not qualify for a loan at all if your score has dipped below 620.

Consolidated credit programs allow you to consolidate debt, regardless of how much debt you have or your credit score. You work with a certified credit consolidation agency to develop a consolidated debt repayment plan that fits your budget. The program freezes your accounts while you’re enrolled, which helps you break your credit habit and learn better ways to budget for everyday expenses.
If you're not able to secure a lower interest rate from your current credit card company, you may be able to transfer outstanding credit card balances to a card with a lower or zero interest rate (called a balance transfer credit card). Credit card companies often offer promotional rates for a limited period in exchange for you transferring a balance from an existing card to a new one. You'll need to meet the balance transfer card company's qualifications, and will probably need to pay a transfer fee that equals about 3 percent of the balance you're transferring.
Man, I’m in trouble! Just calculated my DTI ratio and it’s not pretty! A year ago I started taking charge of my credit problem and decided to do a debt consolidation. The problem is, now that I had this loan in the exact amount of what I owed in credit card and line of credit I figured I would pay most of it and then keep a little money to get stuff I needed (a new mattress and some furniture). Stupidest move I ever did! Now, a year later, I’ve maxed out my credit card once again (I should have lowered the limit after I had paid it off a year prior…..but I thought I was good), I still owe over $5000 on my line of credit and now, I also have to pay that consolidation loan! Within a year, my debt amount went from $14,500 to $33,500! And the worst part? I don’t even know how I managed that! I don’t think I spend a lot of money on trivial things………but clearly I’m spending somewhere. So according to your calculator, I’m at a 0.62 DTI ratio. I mean I make over 50K a year, if I cut down on…..everything, I should be able to pay this off. My car loan is at 0% interest so I’m not too concern with that one. I do put money away every month in an RRSP (it’s the Canadian equivalent of a 401(K)) which cuts down my income tax payment at the end of the year. I’m also a federal employee so I have a pension plan at work with a lot of good benefits so I’m set on the pension plan side. But I can’t manage to save enough money to cover even one month of my income. I mean I’ll be 30 in 3 months and I’ve always been a pretty smart girl……..but I can’t get a hold on my finances! Anyway, I’ve been going through your site and checking out all your tools. It’s giving me a hope.
There are four other popular options that you could discuss with your creditors. The first is to have your interest rates reduced. If you have high interest debts of, say, 15% or higher and could get them reduced to maybe 12%, you would end up with much lower monthly payments, which could make it possible for you to meet your obligations. A second option worth discussing would be a timeout period of two or three months during which you would no longer be required to make any payments. This would give you time to get your finances reorganized and to save money that might allow you to catch up on your payments. A third possibility would be to have some or all of your credit card debts converted into repayment programs. You would likely be required to give up your credit cards but in turn you would have fixed payments for a fixed amount of time after which you would be completely debt-free.
I had credit card debt and I used Credit Advocates to help with the solution. Now that I am at the end of paying off the debt I just wanted to cry when I saw how much I was charged in fees – it was a fee for everything including phone calls made for me. At least between a forth and half of the monies sent went to them. If I had it to do over again I would call the credit card companies and try to repay the lesser amount over time. It seems to me that the companies that say they can help are only there to take your monies at a very high rate of fees, etc.
Get some help. If you are still flummoxed by debt, find a nonprofit credit counseling agency online and go through one of their free credit counseling sessions. They help you sort out your problem; help you set up an affordable budget; and advise you on which debt-relief option best suits your situation. The counselors are trained and certified so The greatest thing about it is that it’s FREE!
People who eliminate debt often fall back into debt because they don’t change their spending habits. If you don’t change the underlying reason that you accumulated significant debt, then you will probably become indebted and need debt relief help again in the future. National Debt Relief provides educational services to help you avoid this situation. If you want to remain debt-free, you need to take seriously the debt education services National Debt Relief offers.
But it’s more than a method for paying off bills. The debt snowball is designed to help you change how you behave with money so you never go into debt again. It forces you to stay intentional about paying one bill at a time until you’re debt-free. And it gives you power over your debt. When you pay off that first bill and move on to the next, you’ll see that debt is not the boss of your money. You are. 
Instead of diving into debt settlement, a better option might be to talk to a nonprofit credit counselor. Credit counseling organizations can help you better understand tactics for managing and reducing your debt, including creating and following a budget. Credit counseling may not have the negative impact of debt settlement (though if you choose a Debt Management Plan, it could appear on your credit report).
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However, there are impacts to your credit that don’t affect your score. While on a Debt Management Plan, a client’s credit report will have a notation that he or she is currently enrolled in a Debt Management Plan. While that notation is active, they will not be granted new credit. Plainly, this is an impact to one’s credit that should be considered. But the notation goes away when the Debt Management Plan is complete, and doesn’t have a lasting impact on one’s credit.
The debt relief company has had minor legal issues in the past, but it has overcome those obstacles to become one of the most popular accredited debt relief companies online. Despite negative reviews, it’s clear that Freedom Debt Relief isn’t a scam. In fact, many Freedom Debt Relief clients credit the company for getting them out of debt and teaching them how to avoid future debt. You should always compare several companies before choosing a debt relief option, but this one stands out as one of the top debt management companies.
There are two ways to file for bankruptcy – a chapter 7 and a chapter 13. The difference is that a chapter 7 bankruptcy is called a liquidation bankruptcy as its goal is to liquidate your assets to repay your creditors. However, much of your assets such as your house, automobile, furniture and personal items are excluded in a chapter 7 bankruptcy so in practice you might not have any assets that could be liquidated.
Start paying into your settlement fund. National Debt Relief asks you to make monthly payments into an escrow account that it can eventually use to pay your debt settlement costs. This monthly payment is typically lower than monthly payments on your debt. While you can stop making payments on your debt if it’s unaffordable, you’ll end up paying more in the end.
You see, when you consolidate your debts or work with a debt settlement company, you’ll only treat the symptoms of your money problems and never get to the root of why you have issues in the first place. You don’t need to consolidate your bills—you need to delete them. To do that, you have to change the way you view debt! Even though your choices landed you in a pile of debt, you have the power to work your way out! You just need the right plan. 

Bankruptcy lets you resolve your debt under protection from a federal court. Chapter 7 bankruptcy erases most debts in three to six months and wipes the slate clean, and you may get to keep certain assets. It’ll stop calls from collectors and prevent lawsuits against you. Like debt settlement, your credit will suffer, but research shows credit scores rebound quickly.
The debt management program itself is not reported to credit bureaus and does not factor into credit scores. The largest % of anyone’s credit score is payment history and with a debt management program, our goal is to make on time payments to liquidate your debt in a reasonable amount of time. Initially, your score may dip when lines of credit are closed, however, people on a debt management program typically see their scores increase over time as they make on-time payments each month.
Some of them include debt consolidation, foreclosure and mortgage delinquency counseling, and budgeting. Review alternatives to a foreclosure that may be available to you such as mortgage modification. A counselor can sometimes work directly with your creditor or bank to enter into installment plans with them, or they help facilitate a solution with all impacted parties.
Under a DMP plan, the consumer deposits money each month into an account within the credit counseling organization. The organization then uses the funds to pay the unsecured debt, such as credit card bills, student loans, and medical bills. Paying off of debt follows a payment schedule the counselor and consumer develops. Often creditors will need to agree to the scheduled repayment plan. Creditors may decide to lower interest rates or waive fees. A successful DMP requires regular, timely payments. It may take 48 months or more to complete a debt management plan.

I have documentation that states when my refund of $2439.40 will come to my bank which is 9/13/2018. As of today I have not received my refund and the company is holding it so that I am charged more fees. Please help, I have already paid late fees and penalties because of this. I am speaking with an attorney now so that I can recover damages caused by the not returning my funds in the mannar promised.


I am 27 and looking to buy a house but I am 50 points shy of getting a good loan and my debt to income ratio is over 50%. I’ve been googling a bunch of information but can’t tell who is reliable how being with a credit counseling would help or even a legal services that are being advertise to pay off short term debts. I just want to know my best opitions to help repair my credit score (as quickly as I can) in addition to it not affecting my taxes.
When you take a balance transfer, you'll move the balance on an existing credit card that's at a high interest rate over to the card with the 0% promotional rate. From that time on, you'll pay no interest for 12 to 18 months, or whatever the time limit on the promotional rate is. Every dollar you pay toward your debt goes to reducing the principal. You'll repay debt much more quickly when you have no interest to pay. 
We value transparency in a debt settlement company, and National Debt Relief was one of the most forthcoming with information. When we spoke on the phone with a customer service rep, they explained the program in detail, spelling out the benefits and drawbacks and offering recommendations on alternatives. They were quick to respond to our follow-ups and provided some of their onboarding information for us to look over.

Debt among U.S. consumers is escalating at a dangerous pace, putting younger generations at a financial risk that was never experienced by their parents. It usually starts with irresponsible use of credit cards and grows worse as unforeseen circumstances like  unemployment, medical emergencies or unforeseen changes in a family situation come into the picture.
If you're unsure of all the accounts you may have open, especially those that might be in collections, you can check your free credit report. It will show what creditors are currently reporting to the credit bureau, including your most-recently reported balances and contact information for the accounts. (Your banks and credit card issuers will have the most up-to-date information.)

Some people take out home equity loans to get the money to pay off various debts. That can be effective if the home equity loan features a lower interest rate. This can be a powerful strategy, as it tends to feature lower interest rates and often-deductible interest, but  it does reduce your home equity and put your home at risk, so don't do it unless you will have the discipline to pay off the home equity loan. If you use the money to pay off credit card debt but then proceed to rack up more credit card debt, it may not have been worth it.


People are creatures of habits and spending money is no exception. We shop at the same stores, eat in the same restaurants and drive the same car, because it’s comfortable. It’s also costing you more than you can handle financially. Remedy: If you won’t change your spending habits, you won’t ever get out of debt. Start with your morning habits (have your coffee and breakfast at home). Go to lunch with a brown bag, not a wallet. In the evening, watch games or movies on TV, while eating a home cooked meal. You will see an immediate impact on your daily spending habits. You don’t have to do without. You just have to make better choices with what you do.

Within five days after a debt collector first contacts you, the collector must send you a written notice that tells you the name of the creditor, how much you owe, and what action to take if you believe you do not owe the money. If you owe the money or part of it, contact the creditor to arrange for payment. If you believe you do not owe the money, contact the creditor in writing and send a copy to the collection agency informing them with a letter not to contact you.
Over time, the debt reductions that we're able to secure could enable you to begin building up a store of savings or adding to your existing retirement account. For many past clients, our program was a turning point: Before enrolling, they lived paycheck to paycheck and could still barely afford to make ends meet. After successfully completing our debt settlement plan, they finally had the means to prepare and save for the future. It's the least we can do to help.
However, there are impacts to your credit that don’t affect your score. While on a Debt Management Plan, a client’s credit report will have a notation that he or she is currently enrolled in a Debt Management Plan. While that notation is active, they will not be granted new credit. Plainly, this is an impact to one’s credit that should be considered. But the notation goes away when the Debt Management Plan is complete, and doesn’t have a lasting impact on one’s credit.
This is where it helps to talk to a professional. Consumer credit counselors understand all the options available to pay off credit card debt. They can impartially evaluate your debt, credit and budget to help you identify the best solution for your needs. You get an unbiased, expert opinion on your best course of action so you can move forward with confidence.
This isn't good news for the millions of American consumers who struggle with mounting debts and less-than-perfect credit scores. Since carrying long-term debts increases your chances of missing a payment, running up excessive balances or damaging your credit in either ways, debt consolidation lenders don't have a very big pool of potential applicants at their disposal. Unless you've been fortunate enough to maintain a stellar credit score during your debt struggles, you might have to look elsewhere for help.
Tax man awaits. If you have debt forgiven, that probably will count as taxable income and should be reported on your federal income taxes. The lender who forgives the debt should send you a 1099-C tax form detailing how much the original debt was and how much was forgiven. For example, if you owed $25,000 and had $10,000 forgiven, you would have to claim the $10,000 as income on your taxes.
Credit counseling works because it provides people with the time and tools to focus on their financial situation. The nonprofit version of this service provides a holistic, high-level view of an individual or family’s debts, assets, income and expenses before recommending a debt relief strategy. These services work because the solutions provided are personalized and specific, and because counselors are well-trained and non-biased.
Take on a part-time job. Working 10 more hours a week for a year at $12 per hour can generate $6,000 before taxes. You might work at a local retailer or at home, perhaps tutoring students, teaching music, doing freelance writing or editing, or consulting. Check out new-gig-economy jobs like Uber if you have a car, Rover and Wag if you're animal lover, or Care.com if you want to babysit or tutor. Post any services you may offer, like handyman or lawn care, on neighborhood email listservs and the Nextdoor app.
We do not have a minimum debt requirement for the debt management program. Our goal is to create a payment plan that is affordable and enables you to pay off your debt within a three to five year period. Our clients have, on average, credit card debt of $15,000. Though we have enrolled clients with as little as $1000 in debt, and more than $100,000 in debt. Our clients have an average annual income of $36,000.
You’ll pay a nonprofit credit counseling agency to consolidate your debts into one monthly payment, while also reducing your interest rate, in an effort to pay off your debt faster. This is a good option for consumers in credit card debt who have a steady income to repay the debt within three to five years. Unlike debt settlement, a debt management plan should help improve your credit score.
Dave Ramsey is the way to go! My wife and I took his course through our church but you can take it online. He’s funny, informative and gets to the point. I like the facts and my wife likes to have fun so his course was perfect. It even helped our marriage. When BOTH husband and wife are cleaning up the debt mess it makes it that much easier however, we did see a lot of single people taking the course too. We started in Oct. 2014 with 48K between all the loans we had together and now our debt free day is September 18th 2015!

Who’s it best for? If you can’t part with your smartphone, InCharge has a mobile app that lets you manage your account on the go. You can add creditors, change payment due dates, and even see whether creditors have accepted proposals regarding reduced monthly payments or interest rates. They even have a fully online credit counseling option if you prefer that over phone or in-person counseling.


Bankruptcy stays on your credit report for a decade, it costs money, and it's emotionally difficult. It's a last resort -- but it is an option you should often turn to before liquidating retirement savings (which is protected during bankruptcy) or before struggling for years to make payments on debt that doesn't go down because all the money goes to interest. 
Find out how payments will be disbursed to your creditors. Fraudulent debt management companies are notorious for sending payments late and getting their clients into trouble with creditors. Make sure the agency will send your payments to creditors on time and within the correct billing cycle. Ask how soon they will disburse your payment after they receive it, and find out how you can track the payments made. They should send you a statement each month or have some way for you to look it up online.
Find out how payments will be disbursed to your creditors. Fraudulent debt management companies are notorious for sending payments late and getting their clients into trouble with creditors. Make sure the agency will send your payments to creditors on time and within the correct billing cycle. Ask how soon they will disburse your payment after they receive it, and find out how you can track the payments made. They should send you a statement each month or have some way for you to look it up online.

Sometimes debt can just be an unintended consequence of too much holiday spending — or overspending any time of year. Many people try to get out of debt, but life slaps them in the face hard enough that they give up. But that doesn’t have to be the case. There are so many people who are getting out of debt every single day, and not only that, but they are getting out of debt in a short period of time.

Negotiate credit card debt as well as outstanding loans - While it is possible to contact a credit card card company and negotiate yourself, unfortunately getting the best deal you want or that you may need won't necessarily be easy, if it can be done at all. If you do try to negotiate yourself rather than using a professional counselor, find a do it yourself approach to negotiate and get out of debt.


This won’t be an option for everyone but if you’re paid hourly, speak to your boss and see if you can pick up a few extra hours. Or if you’re job has shifted, check if the less desirable shifts pay a bit more per hour. Working nights isn’t fun, but it could make you some extra money without doing any more work. Maybe less if there’s no one watching!
Instead of diving into debt settlement, a better option might be to talk to a nonprofit credit counselor. Credit counseling organizations can help you better understand tactics for managing and reducing your debt, including creating and following a budget. Credit counseling may not have the negative impact of debt settlement (though if you choose a Debt Management Plan, it could appear on your credit report).
Reducing the term of your loans, even with a lower interest rate, will likely increase your current monthly payment. But with fewer years of payments to handle, you can save a bundle over time. SoFi, a top student loan refinancing provider, offers one such service. With no prepayment penalties and no hidden fees, it’s an easy way to save thousands of dollars in interest payments over the life of your loan.
Guy who signed me up was professional BUT dealing with the company afterwards was a complete run-around. Transferred 5 times and not given an honest answer. Had to call back and confirm my exit from the program. Then asked personal questions in a resell attempt. Mailing address given to submit cancellation request to is NOT a valid mailing address. Percentage higher than advertised – 23%. Customer service transfers you immediately somewhere else – couldn’t even finish my sentence. Very shady.

To get out of debt using the ladder method, start by attacking the balance on the account that charges the highest interest rate, McClary says. While you’re ramping up payments on that account, you make minimum payments on the others. When your highest-interest balance is gone, you move down a rung of the ladder and apply all your extra payments to the account with the next highest rate. You repeat the process until all your debt is eliminated.


Over time, the debt reductions that we're able to secure could enable you to begin building up a store of savings or adding to your existing retirement account. For many past clients, our program was a turning point: Before enrolling, they lived paycheck to paycheck and could still barely afford to make ends meet. After successfully completing our debt settlement plan, they finally had the means to prepare and save for the future. It's the least we can do to help.
Consolidated credit programs allow you to consolidate debt, regardless of how much debt you have or your credit score. You work with a certified credit consolidation agency to develop a consolidated debt repayment plan that fits your budget. The program freezes your accounts while you’re enrolled, which helps you break your credit habit and learn better ways to budget for everyday expenses.
How Long Will It Take To Get Out Of Debt? It depends on how quickly you can build up your settlement funds and save for the settlement offers. The program length varies between 24-48 months, the faster you can save, the quicker you can get out of debt. If you only make the minimum payments on your credit cards, you could be in debt for the next 10-20 years and pay back 2x, 3x, or even 4 times as much as you originally borrowed.
Often, one of the first things that people ask when they come to us is "what are my credit card debt options?" Typically, consumers want help consolidating debt, which means taking out a new loan to pay off a number of other debts. The hope is that with a lower interest rate on a new loan they'll save money, and with just one loan payment to make, they'll stay current with their creditors more easily.
When we were getting out of debt, there were several times where extra money fell in our laps that we had not factored into our debt elimination originally. We decided to take this cash and use it to tackle our debt. Some good examples would be a tax refund, selling a car, an inheritance, winning a bet, etc. The more cash you can put towards your debt, the faster it will disappear.
If you’re struggling with finding the best way to get out of debt, my advice is this: Don’t waste your time reading arguments all over the internet. Just pick the one that resonates with you and get going. Most of the people who berate others for not paying off debt in the “right” order or way have never even been in debt themselves — let alone gotten OUT. Don’t listen to people who purport to know what’s best for you when they’ve never been in a remotely similar situation. You know your life best.

The big downside is, if you need to leave your job for any reason, including if you're terminated, you must pay back the 401(k) loan quickly -- often within 60 days. If you don't, the unpaid loan is treated as a taxable distribution and you'd have to pay a 10% penalty. Not only can a 401(k) loan trap you in your job, but you could also hurt your retirement savings goals, because you'll have less money invested and growing. 
Such a scam, they make you believe they’re helping you but in reality they are ripping you off. They are charging you for something you can do on your own. There is nothing special about this company, please don’t waste your time and money. Wish someone told me this before I signed up. I never write reviews but I feel so strongly about this that I had to try to stop someone else from making the same mistake and sign up with National Debt Relief.
Hm, feel free to email me if you like, but here are a few questions/suggestions. What have you been living on while waiting? And how much are you allowed to earn above disability? While it can definitely be very tough to work while disabled, sometimes it is possible, and there are flexible ways to earn. (For example, blogging, although that’s not a quick way to do so.) I suggest brainstorming ways to bring in more and also ways to cut expenses, such as maybe getting a roommate or two to reduce your basic costs for housing & day-to-day living.
This can be especially helpful for someone with serious debt (generally $7,500 or more), who is struggling to make minimum payments and who have suffered a financial hardship, such as job loss, medical expense and divorce. Regulated by the Federal Trade Commission, debt settlement companies work on a consumer’s behalf to lower the principal balances owed. It usually takes two to five years and is best for those who would otherwise need to consider bankruptcy. Check the American Fair Credit Council for reputable providers.
While repaying your debt more slowly or at a lower interest rate is better than not paying it at all, a debt management plan can still adversely impact credit scores. Although enrollment in a debt management plan isn't a factor in credit scoring models, it can affect other aspects of your credit that are common factors in many credit scoring models.
Look into the fine print of any balance-transfer card you're considering to find out what your credit limit will be with the card. Many times, you won't be able to know until you get approved for the card. You won't be able to transfer more than that limit, less the balance transfer fee, if there is one, and if you exceed the limit you might face a fee.
Does This Affect My Credit? Yes, debt negotiation will negatively affect your credit temporarily and it can be improved after you have completed the program and you are debt free. The effects are not as severe as bankruptcy. If you are already behind on your bills, your credit score will already be lower so the effects of our program may not be as severe. You have to decide if it’s better to resolve your debt now at a lower cost and then rebuild your credit.
There isn’t an easy and quick way to get out of debt. You have to discipline yourself daily and to be consistently financially responsible for months or even years. If you need help with paying off your different debts, you can go to a debt consolidation company, and try to apply for a debt consolidation loan. You have to know, however, that you’ll have to spend a bit of money on fees.
Are you interested in hearing more about our services?  Or, maybe there is something we can do different to serve you better!  If you have an experience you would like to share with us please complete the form above and let us know!  We welcome any questions, concerns, and suggestions as our goal is to continuously improve our client and patient satisfaction!
Over time, the debt reductions that we're able to secure could enable you to begin building up a store of savings or adding to your existing retirement account. For many past clients, our program was a turning point: Before enrolling, they lived paycheck to paycheck and could still barely afford to make ends meet. After successfully completing our debt settlement plan, they finally had the means to prepare and save for the future. It's the least we can do to help.
Who’s it best for? Anyone who doesn’t like surprises will appreciate Cambridge. The clear FAQs include questions any prospective client would want answered (for example: “How will the program affect my credit rating?”) and there are a lot of financial basics, including budget worksheets and a debt payoff calculator. Cambridge is also willing to work with limited kinds of secured debt.
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