What are the advantages and disadvantages of unsecured debt, unsecured debt can only be obtained by having an average to good credit rating (FICO SCORE) and payment history. Unlike secured debt, unsecured debt usually comes with flexible payment amounts and terms and credit limits

If you can not pay your unsecured debts (your credit cards, medical bills, etc) these debts often may be released in bankruptcy. Overspending on credit cards is the leading cause of uncollected unsecured debt.

When joining our credit counseling program we will be able to assist you with a payment plan and an long with our financial literacy you will be able to get yourself out of debt with credit counseling.