Do I have to be late in payment to qualify for this program?

Hi Levi

Welcome to the forums. You can include all your unsecured debts in the debt consolidation program. You will be offered easy monthly installments at lower rate of interest during the ongoing program.

The debt consolidation program will reduce all the financial charges, late fees from the total amount of your debt. As a result, you will be offered to pay a much reduced amount.

The consultant working in the program will be offering you free counseling to keep a check on your finance. He will budget your spending by cutting all the wasteful expenses from your total monthly budget. Thus, you will be able to pay towards your debts with ease and erase all the debt related problems on a quicker pace.

It is very nice of your efforts that you are not late in your monthly bills. The debt consolidation program will further keep contributing towards all your monthly bills and you will complete your payments with your creditors quite comfortably.

Regards
Roxette