How It Works

Learn everything you need to know about credit cards debt consolidation. Find out what it is, who qualifies, and how the process works.

Credit Cards Debt Consolidation Service

Credit cards debt consolidation is a service that helps customers reduce the interest rates on their unsecured debts in order to get out of debt faster for less money. Typically, a credit cards debt consolidation service will have preset agreements with most major creditors in which they have arranged lower interest rates exclusively for consolidation customers. These rates are usually very low and are not available to the general public. By applying these reduced rates to our customers' credit card accounts, we are able to lower their monthly payments and their interest expenses. As a result, credit cards debt consolidation helps you become debt free much faster without squandering your money on interest expense.

Qualifying for Credit Cards Debt Consolidation

To qualify for credit cards debt consolidation, we ask that you meet the following basic requirements:

• At least $5,000 in unsecured debt
• Current on payments
• Willing to cancel credit cards included in consolidation
• Not currently enrolled in a credit cards debt consolidation program

Credit Cards Debt Consolidation: The Process

Here is how the credit cards debt consolidation process works:

1. Fill out our no-obligation, online form. First provide us with a little contact information, and we will contact you to explain more about our services.

2. We apply our reduced rates to your individual creditors. We will consult our rate sheet to determine the new interest rates for your particular creditors. The payment you make to your credit cards debt consolidation service will then be determined using these lowered rates.
3. You make one monthly payment to your credit cards debt consolidation company. Each month, you will make one payment to your consolidation service.
4. The consolidation service distributes the payment among your creditors. Once we receive your payment, we will divvy it up among your creditors to pay your bills.

Examine why you should choose us on the next page.