Debt Consolidation may be better then bankruptcy
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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?
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