Debt Consolidation may be better then bankruptcy
HomeAbout UsWhat is Credit CounselingGimme a QuoteCommon QuestionsTestimonialsLinksOrder a Credit ReportMembers SiteContact UsBookstorePrivacy PolicySite Map
whitespace.gif (35 bytes)


Common Questions

1. What is credit counseling?
2. What is debt consolidation?
3. What is a debt management program?
4. How can a debt management program lower my monthly payments?
5. What kind of savings can I expect through credit counseling/debt management?
6. How long does it take to get out of debt with a debt management program?
7. What types of debt do debt management plans handle?
8. How will a debt management program help me?
9. How does a debt management program typically work?
10. Does credit counseling/debt management require good credit?
11. What happens when I receive credit counseling?
12. What happens when I start a debt management program (DMP)?
13. How do debt management programs differ from bankruptcy?
14. Why is it that monthly payments are typically lower when participating in a debt management program?
15. Will my creditors work with a debt management program?
16. Will debt management stop creditors from calling?
17. Will signing up with Credit Advisors affect my credit report?
18. Can I still use my credit cards?
19. What type of bills does Credit Advisors handle/pay?
20. How much does a debt management program (DMP) cost?
21. How much does credit counseling cost?
22. What happens to my credit if I use a debt management program?
23. If I join a debt management program do I have to pay all at once?
24. Can I negotiate with creditors on my own?
25. How can I receive credit counseling or start my debt management program?
26. Should I consider getting a loan instead of credit counseling and/or a debt management program?
27. Why should my creditors lower my payments and monthly interest?
28. Will creditors come after me when I am in debt management program?
29. What’s the difference between debt management and credit counseling?
30. What is secured debt?
31. Are debt management programs completely legal?
32. How do I choose a credit counseling service?
33. Is Credit Advisors Non-Profit?
34. How can I be assured that Credit Advisors is paying all my bills?
35. What happens if I miss a payment to Credit Advisors?
36. What should I do if a creditor calls me at home or work?
37. Should I list every creditor when I apply or can I leave some off (for example, one of my credit cards)?
38. Should I list my car payment?
39. Can I make a double payment?
40. Will I still get monthly statements from my creditors?
41. What advantages does CA provide over most other counseling agencies?
42. How can you get people out of debt so fast?
whitespace.gif (35 bytes)
bottom2.gif (270 bytes)