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iDebtAssistance CareOne Debt Relief Assistance
Information
Our experienced debt reduction counselors work to provide you with
the lowest interest rates and lowest monthly payments possible. Our
non-profit credit counseling companies are currently assisting
thousands of consumers restructure their high interest unsecured debt,
while at the same time saving thousands of dollars in unnecessary high
interest fees and miscellaneous charges, potentially cutting hundreds
of dollars off their monthly payments.
iDebtAssistance can help. Whether your current bills are past due
or current, we will design a payment plan that is right for you. We
can consolidate all of your unsecured debt, including credit cards,
student loans, medical bills, unsecured personal or business loans,
medical bills, tax bills, and much more into one lower monthly
payment, possibly saving you hundreds of dollars each month!
Please fill out our
FREE debt consolidation information form. One of our certified
credit counselors will contact you right away, and you will have taken
the first step, along with millions of others, toward shaping up your
financial future with iDebtAssistance!
Our debt reduction programs are the easiest and most sensible
alternatives for consumers to become debt free.
What is Debt Reduction or Consolidation?
Debt reduction or consolidation combines all of your unsecured
monthly bills into one, lower monthly payment with a lowered interest
rate. The service that iDebtAssistance provides is NOT A LOAN.
However, we are able to assist our clients in drastically reducing
their overall interest rate, monthly payments, and, most importantly,
pay-off time.
We offer our service through a non-profit credit counseling agency
that is designed to assist consumers in the repayment of their
unsecured debt. Creditors receive certain tax savings for contributing
to the program, in return they offer reduced interest amounts
sometimes as low as 0%. Only non-profit credit counseling agencies
like ours can offer you the services to get you the best rates.
How does the iDebtAssistance work?
A certified, experienced credit counselor will contact your
creditors to negotiate your interest rates and monthly payments into a
reduced amount that you can afford to pay. Many credit counseling
agencies already have working relationships with these creditors, and
they will know exactly how to negotiate what’s best for you!
In addition, you no longer pay your creditors directly. All of your
debts are consolidated into one manageable reduced payment to the
credit counseling agency. The credit counseling agency, in turn, pays
your creditors, on your behalf, monthly. Your iDebtAssistance
application is kept confidential.
Will I really save that much money consolidating
my debts?
Most credit counseling agencies can negotiate options that will
dramatically lower your overall monthly payments, as well as your
collective interest charges. Often times, they can negotiate zero
interest re-payment plans for you!
Am I a candidate for debt consolidation?
If you are having problems paying your debts on time or see them
accumulating too fast to keep up in payments, then you are a candidate
for debt consolidation. Our counselors will determine what options are
best for your financial situation.
How much do debt consolidation services cost?
Nothing! Because you are working with a non-profit credit
counseling service, many of your creditors can use your account
consolidation as a tax write-off due to “lost interest charges.”
Through debt consolidation services, they almost always recoup the
principal amounts owed on your account(s).
Remember, your creditors are not lowering your interest rate, but
instead making it easier for you to make smaller payments. They know
that if they don't help you out a little you may file bankruptcy and
could likely collect nothing in return.
How is my payment determined?
All creditors have minimums that must be met before entering the
program. Once a counselor looks at your financial situation, your
payment will be based on the different creditors and balances you
have.
Will I still receive collection phone calls?
Once you are enrolled into our debt consolidation program, your
collection calls will soon begin to dissolve as the non-profit credit
counseling agency begins to shape up your accounts. Within as little
as 2-4 weeks, you should see a decrease in those pesky calls, this
time for good! If they do continue, you can refer them to the
program’s center.
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