Loan Reconsolidation

Consolidation program will combine all your bills into one monthly payment. The counselor will frame your payment options as per your financial needs and inform your credit companies.

Have you gone through the Guide section? Most of the FAQs are listed there. It will help you understand how to take care of your credit.

We would like to reconsolidate all our debts into one monthly repayment so we can afford everyday living again we dont want to go bankrupt for 8000 dollars.. Regards Zoey

Have you considered a debt management Plan or dmp
This plan is administered by a consumer credit counseling agency.Credit counseling is for people who are not overextended and thus can afford their minimum payments and just need one payment with a lower interest rate. Credit Counseling agencies will be able to negotiate with all creditors to accept a lower interest rate " usually around 6%-10%, waive late fees and over limit fees and spread your payments out over 5 to 7 years. You will repay 100% of your current balance with a payment that typically runs about 3% to 4% of your total debt. If you have the ability to repay the full debt you borrowed you should do a Debt Management Plan. This program doesn`t hurt your fico score but will show on your credit report you are in a program to keep you from getting more credit until you complete the program. Once you complete the program it comes off your report as if you were never in the program. This site offers free counseling so you have nothing to lose to speak with someone @ 800-601-1579 :D