Debt Counseling

Debt Counseling is a program that may or may not suite your needs.

These companies offer services as non profit organizations, but they are really representing the credit card companies. They are working for a settlement, but they will negotiate on behalf of the companies more so than for you.

Consumer Credit Counseling

Debt Counseling is marketed as a system put in place to help you, but the truth is they are put in place to help you pay as much as possible over years to the credit card companies.

They state that they negotiate a discounted interest rate, which is true. They get the rate discounted from a ridiculously high predatory rate back down to the rate it was supposed to be at.

Which Credit Counseling by the standard companies might offer some benefit, they do not get the best deal done for you.

One little known secret to Credit Counseling Companies is that once you enroll there is a flag put on your credit report. Every item included in the Credit Counseling Program is flagged with a “CCC” notation.

Lenders will look at this as the same level as if you have filed for Bankruptcy and they will not lend to you. No one at any Credit Counseling Company will EVER tell you this.

We know this because We used to underwrite files for a small lender.

So, when you are looking for advise and needing information about eliminating your debt, use Repair America's Credit as a resource.

We will tell you the straight forward truth about all the programs offered by different companies. We most likely are your best solution, but sometimes we are not.

Debt Reduction Solutions

While we offer to work debt solutions to as many people as possible, not everyone will qualify to work with us. Because of the demand we are facing we have to ask the following criteria of our future clients…

Anyone who wishes to work with us must. . .

Have at least $10,000 in debts
Have a desire to eliminate debt and regain freedom
Be Willing to listen to our advisors as we guide your through our process
Be Motivated to be debt free in 18 – 36 months
Be Committed to staying on proposed program to completion
Be Ready and Prepared to take their Life Back
Be Serious about Eliminating Their Debt

If you want to be debt free in 18-36 months while maintaining a payment that is comfortable for you, then all you have to do is complete our simple consultation form, on the right side of this page, and we will be in touch with you right away.


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