| Product |
Services |
Costs |
Clients |
Notes |
|
Debt Counseling
|
Debt counseling agencies negotiate
with your creditors using pre-set agreements and spread your
payments over a longer period in order to reduce the monthly
payment. |
A one-time enrollment fee plus a monthly
fee. |
People who need assistance paying off
their debts and who can’t qualify for a loan. |
There is no obligation or fee for reviewing
your case with a counselor. It is important to be aware of
the terms and rates of this service before you sign up. |
|
Bill
Consolidation Loan
|
A personal loan can provide you with
up to $15,000 for paying off your debts. Low interest rate. |
Your loan’s interest rate will
be calculated based on the amount you wish to borrow, your
credit standing, and national rates. |
People with multiple debts that they
want to consolidate into one lower interest loan. Borrowers
with good or excellent credit. |
Free loan quote. To qualify, your bankruptcies
must be discharged at least 2 years, you must have a median
credit score of a 580 or higher, and you must have a clean repayment
history for a significant number of months. |
|
Student
Loan Consolidation
|
Consolidate your student loans into
one new loan with a low fixed rate and a reduced monthly payment. |
No fees are charged for student loan
consolidation. Your new loan’s interest rate will be
the average of the interest rates on the loans you consolidate,
rounded up to the nearest 1/8th of 1% or 8.25%, whichever is
less. |
People with more than two federal student
loans totaling over $7,500. |
Consolidation extends the terms of
your loans, meaning that you will need to spend more years
repaying your debts. It is best to consolidate your loans when
interest rates are low so you can lock in a good deal. |
|
Home
Equity Loan
|
This loan can provide you with the
extra cash you need to consolidate your debts at a relatively
low rate. |
Your new loan’s interest rate
will be calculated based on the value of your home, your credit
standing, and national rates. |
Homeowners who want to use their home
equity to pay off a large amount of debt. |
No-obligation quote. Your home is attached
to this loan. If you cannot make your loan payments for some
reason, the lending institution can foreclose on your home
as repayment. |
|
Tax Consultation
|
Tax consultants will help you deal
with tax problems such as liens and penalties. Provides assistance
in negotiating with the IRS. |
$50 or more depending on your situation. |
This service is designed to assist
people with complicated tax issues requiring professional advice. |
No-obligation tax savings quote online.
Confidential service. This service can be expensive depending
on your needs. |
