Debt consolidation sounds like a great idea when someone tells you about having only one payment at a lower rate. Who wouldn’t want to consolidate a bunch of monthly payments to different creditors into one simple convenient payment? This sounds like a great thing to do but there could be some big downsides; the payment for the debt consolidation loan may not fit your budget, you’ll pay more interest in the long run, and you may be making payments for 7-10 years! In addition, with some debts you may end up paying more than what you owe now just because the term of the loan will be extended.

With our debt settlement solutions, you get the best of both worlds. You’ll still have the same number of creditors, but we will help negotiate lower outstanding principal which means your payments may be much lower. Although negotiated creditors would now work directly with us, you’d still get the benefit of a single payment; all while paying back less than what you owe.