Review your debts, budget & credit with a certified credit counselor to see if you qualify for a debt management program & explore other options for relief. Once you are ready to enroll in our program we will call your creditors & work with them to lower your interest rates & stop late fees. The program is easy! You make one payment to us each month & we distribute the funds to your creditors on your behalf. You can be out of debt in as little as 36 months. 

Over half of all bankruptcies are attributed to poor credit management – signifying its importance. Credit management involves much more than reminding customers to pay. Rather, it involves gaining a thorough examination and process of detecting possible reasons of non-payment, perhaps even whether a solution or product was not delivered and even as far as the invoicing containing discrepancies. Effective credit management is a comprehensive process consisting of:

• Determining the customer’s credit rating in advance
• Frequently scanning and monitoring customers for credit risks
• Maintaining customer relations
• Detecting late payments in advance
• Detecting complaints in due time
• Improving the DSO
• Preventing any bad debt from arising

We help in reconciliation of errors. Errors are generally found in the areas of debtors, creditors, advances, cwip etc

Our Debt Management Plan helps negotiate the amount of debt owed to collectors. With one payment each month we disburse it evenly to each debtor to pay off remaining debt. 

Inaccuracies on a credit report are a commonly know error that will negatively effect your credit score. We help challenge each item to have them removed from your credit report. This causes a increase in your credit score. We have seen a 99% success rate in our dispute process.