What are your options?

Debt Consolidation Loan - A consolidation loan will only increase your debt. Borrowing money could be dangerous to your debt situation and credit standing. You are expected to pay back all of your debt, in full, with interest. You could even put your home at risk by using equity to cover your debts. If you fail to make payments, you could lose your home.

Minimum Debt Payments - This could take you more than 20 years to pay in full and up to 85% of your hard earned money will be applied towards interest only.

Credit Counseling Services - You will still pay your full debt liability while continuing to pay a reduced interest rate which becomes a greater amount than the original debt. This may lower your monthly payment, but it will still take many years for you to pay off your new total debt amount.

Filing Bankruptcy - Your credit can be destroyed for years, and may create many legal entanglements. You will always be required to admit to bankruptcy on all loans and documents for life.

Excess Debt Solutions™ - Within one to two years, our debt elimination program can help you to become debt-free. You will eliminate the burden of debt and live your life.