debt

Mario,

Are you looking for a way to reduce your monthly payments? If so, you may want to contact a 501 C-3 non-profit organization to assist you with accomidating that goal.

The foundation of the program is to get all of your unsecured debts & combine them into one easy payment. You would send the payment into that company, the company in turn would disburse your payments for you until your balances are satisfied and paid in full.

Debt Management assists you with negotiating your interest rates to a lower rate so it is easier for you to repay back the terms of your principle balances. Generally on an avergage, your creditors will reduce your interest rates either at 10% or lower.

Debt Management also assists you with lowering your monthly payments so it is easier for you to afford your minimums. If you are delinquent, debt management can assist you with stopping late fees, over the limit fees & collection calls. Debt Management can also assist you if you are delinquent with "Reaging" your pass due account after receipt of 3 consecutive payments from the time the creditor accepts the proposal & brings your pass due account back into a current standing.

You may want to talk to a certified financial counselor who can assist you with a free financial analysis & provide you with a free quote to show you how cost advantages the program would be for you. If in need of free financial assistance, please do not hesitate to contact me.

Contact your local Consumer Credit COunselling Service..CCCS...they non profit