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How much you can afford to pay monthly for all of your credit card, personal loan and other unsecured debt (excluding car, student and home loans)?

Are you behind on any of your payments?

What is your approximate FICO credit score?

Approximately how much unsecured debt such as medical, credit card and personal loans do you have? Please do not include auto or student loans.

We will compare a debt consolidation loan, a debt management program and debt settlement, with potential savings for each as well as their pros and cons.


Just complete the following questions to receive your free results.


First Name:

Last Name:

Email Address:

Phone Number:



Debt Consolidation Loan and Alternatives

Your information has been received and a senior debt counselor will be reaching out to you via email, phone and SMS to help you evaluate these options. There is no credit report impact for having your free, no-obligation and confidential consultation. You can also call in from 9-5 EST at 1-877-850-3328 to speak with an understanding counselor to evaluate your options.


Consolidation Loan

We are assuming an origination fee of 2% and an interest rate of 17% for your consolidation loan.

The pros are that you have one payment and depending on your current interest rate, the new rate may be lower. The cons are that moving debt around typically only ends up causing the issue and stress to increase.


Debt Consolidation Loan:

Debt Management

We are assuming that you get debt management through a credit counseling agency that charges $50 a month for their services and that the new interest rates average 10%.

The pros are that you have one payment and depending on your current interest rate, the new rate may be lower. The cons are that working with a debt management plan may show that a 3rd party is making payments, the accounts are closed, and typically you still end up paying a lot of money with a non-flexible payment.


Debt Management Plan:

Debt Settlement

Savings do vary based on creditors and various other factors. The final payment below includes estimated fees and an estimated savings.

The pros of debt settlement are a much faster payoff, the amounts are agreed to with creditors, and there is much more flexibility in payments than the other above options, and gives a person the opportunity to accumulate funds much faster after the program is complete. The cons are that the estimate is not fixed and can vary, and is really only for a person who truly cannot pay off their debts in full easily.


Debt Settlement Program:

We can give you a free evaluation to see which option is best for you. Please call 1-877-850-3328.

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