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Frequently Asked Questions
1. Do the companies you work with provide Loans?
No, they do not provide loans. The last thing a Christian needs if they are having trouble paying their bills is more debt. It's time to start reducing your debt; not increasing it.
2. Will they charge a fee to consolidate my Debt?
Yes, however this fee is regulated by the state you live in, and is structured into your monthly payment program. It is far below the amount of money they can save you in reduced interest charges, late fees, and total monthly expenditures is substantially greater than their reasonable fee.
3. Are these companies you work with collection agencies?
No! They work solely for you! They will stop creditors from harassing you once you join their program
4. Do the companies you work with repair credit?
No. They DO NOT erase negative credit history. Any person or company who says they can is lying. What they will do is ensure that upon completion of the program, your creditors acknowledge in writing that you have satisfied your debt with them.
5. Can they consolidate things like a home mortgage and/or a car loan?
No, they work only with unsecured debt which is debt that is not backed or underwritten by an asset.
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