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Debt Consolidation Advice

You're not the first person to decide to put food on the table and keep the electricity on rather than paying a credit card bill. You can be sure that most people would rather protect their family and their loved ones first, and then pay their creditors.

Do you need debt consolidation advice?

Even the collection agents, the ones that call and harass other people about their obligations, would certainly protect themselves first if faced with the same tough decision.

The truth is that most people struggle long and hard to meet their obligations but the money coming in just doesn't meet the bills going out. Be very careful and selective about which bills get paid.

Do you need debt advice?
You're not alone. Today, millions of Americans are having difficulty paying their debts. Most of those in financial distress are middle-income families with jobs who want to pay off what they owe.

It is important for you to act. Doing nothing can lead to much larger problems in the future-even bigger debts, the loss of assets such as your house, and a bad credit record.

Accurate negative information can stay on your report for 7 years; bankruptcies for 10 years. Also, any negative information may be reported indefinitely for use in the evaluation of your application for:

$50,000 or more in credit;
A life insurance policy with a face amount of $50,000 or more
Consideration for a job paying $20,000 or more.

The good news is that there are solutions. A New Horizon specializes in debt management and can help improve your relationships with creditors, reduce your debts, and help you manage your money. In brief, these solutions can help give you a new, fresh start.

Debt Management Plans
This program has been successful for many years. It was developed by creditors to help their customers who were having a difficult time repaying their debts. As long as we work within their established guidelines for people that are in credit counseling, we can extend many benefits to you.

One of the best things is that most creditors usually eliminate interest charges and those that do not, usually reduce your interest rate to as little as 6-9%.

In most cases, the creditors will also bring your account current and waive penalties and late fees. Since you will be making on time monthly payments, this program will not hurt your credit rating.

If your credit rating is good it will stay good, if it's not, this program will help you rebuild your credit, so you will no longer be considered a risk, but a good paying customer.

A debt consolidation/management program is a win-win situation. Your creditors win because they save money by eliminating the cost of collections, and in some cases a total loss if bankruptcy is declared. They also win by keeping you as a customer in good standing.

You win because you can start living without the financial pressures. You can actually pay off the principal since your payments are not being eaten up by high interest rates and finance charges.
1. Dramatically reduce credit card payments
2. Eliminate harassing creditors
3. Consolidate debts to one low monthly payment
4. Stop high interest payments and late charges
5. Improve your credit rating
6. Reduce payments by up to 60%

Debt Consolidation can assist you

Debt Consolidation Advice