Free Debt Relief Analysis

It's Simple To Start

Gather Basic Information

Answer a couple of basic questions about your debt. Based on your location, debt amount and type of debt, we can recommend a path.

Financial Coaches

Your certified debt resolution specialist will show you how to pay off your debt and give you the motivation to get there.

Debt Free

Follow the payment plan you agree to with your certified specialist and you are on the way to being debt free in less time and for less money than if you did it on your own.

Questions? Call IMG 888-997-5113

Debt Consolidation FAQ

Why should I use the services of a credit counseling agency?


It depends on your situation. If you are more than 30-60 days late, you are most likely getting ambushed with late fees and increased interest rates. This is the make-or-break point for many consumers -- if they can\'t make something happen in negotiation, the increase in minimum payments is often too much to pay. If you are at this point, it is time to seek professional help before it is too late and you end up in collections.


How do I find a reputable credit counseling agency?


The best place to start is by checking with the Better Business Bureau. The BBB will give you valuable insight as to how reputable a company is and what their track record looks like. You can tap into the BBB’s records both online or at your local office.


The internet has now become a powerful consumer research tool. Online you can quickly search a particular business to find specific company information and customer reviews that will help you determine how effective they’ve been at helping past clients.


Other signs of a reputable credit counseling agency include:



  • Counselors that talk with you and access your financial situation before suggesting any type of plan or product

  • Agencies that offer plenty of FREE material and information to help you learn to manage your finances better

  • Agencies with credit counselors that are certified and open about their continuing education and experience

  • Agencies that are up front about all service fees and the possibility of getting them waived


Will a debt management plan affect my credit score?


Enlisting in the plan alone will not negatively affect your credit score. However, you will often have to sign a contract stating that you will not open any new lines of credit while you are in a debt management plan.


Will debt settlement affect my credit score?


Yes. In order for a creditor to settle a debt, you are usually at least 90-120 days behind on your payments. This has already negatively impacted your credit. If you settle a debt, the creditor will report this to the credit bureaus as settled.


Should I consider credit card consolidation?


Credit card debt is unsecured and often comes with high interest rates. Because of this credit card debtors can be among those that benefit the most from debt consolidation plans that work to lower interest rates and monthly payments.


It really depends on the amount of credit card debt you owe and the likelihood that you’ll be able to pay it off. Even if you’re able to make the monthly minimum it could take years to pay off the debt while interest rates continue to increase what you owe. That time could possibly be shortened by using debt consolidation which would reduce the overall cost.


What kind of training must a credit counselor have?


Credit counselors do not have to obtain a formal degree to work in the field. However, they must have graduated from high school and there are numerous certification and training programs for credit counselors. It’s up to the discretion of the credit counseling agencies whether they choose to employ counselors that have earned certifications or not.


A college education, on-the-job experience in credit counseling and social work as well as an aptitude for mathematics and numbers are very positive attributes in a credit counselor. Try to find credit counselors that earned professional certification which takes at least 1 year of experience in the field and completion of training courses.

Benefits of Debt Consolidation

  • Lower Interest Rates
  • Lower Monthly Payments
  • Eliminate Debt in Less Time
Learn About Debt Consolidation