State Specific Disclosures


  • Nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation
  • Establishment of a plan may adversely affect the individual's credit rating or credit scores


  • We do not lend money.
  • All agreements are good for up to 60 months.
  • Upon completion of this program, Credit Advisors will mail a statement to you indicating all funds have been issued and that all creditors are paid in full.


  • Debt management plans are not right for all individuals, and you may ask us to provide information about other ways, including bankruptcy, to deal with your debts.
  • Using a debt-management plan may make it harder for you to obtain credit.
  • We may receive compensation for our services from your creditors.
  • Nevada's Uniform Debt Management Services Act


  • Oregon Registration # DM-80044


  • Licensed in the State of Michigan License # DM-0016282
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