Once you submit the online form, your information will be sent to one of several accredited non-profit bill consolidation agencies that best suits your current debt situation.
1.
After reviewing your credit and budget information, your personal
counselor will help you arrive at a repayment plan, which will include a
debt consolidation loan program, a debt management program or both.
2. You will
decide on the date you will be making your first payment. From then on,
you will have only one date to remember instead of multiple payment
deadlines.
3. Should you
then decide to enroll in our debt management program, your counselor will
negotiate with creditors to have your monthly payments and interest rates
reduced, but you decide if you want to join.