Loan Consolidation Programs

Loan Consolidation Programs may have been one of the most abused terms and techniques used over the last few years. Usually a Loan Consolidation Program will be in the form of a refinance of your home.

While property values were shooting sky high, it was the only way to go. Take the Equity out of your home and use it to Pay off the Debts that you had racked up in unsecured debt.

Loan Officers were promoting this as the Silver Bullet to debt and many people were running to what seemed to be an inexhaustible source of funds to support a lifestyle.

And then the Real Estate market Boom came to an end and many folks found themselves with the debt still looming except this time there was no more equity to tap into.

So what now?

Credit Counseling?

Consolidation Loans?

Trying to Negotiate with the card Companies on your own?

Credit Card Companies DO NOT have your best interest at heart. They are money collecting companies that have developed a system that will never let you out unless you know HOW TO GET OUT.

Mortgage Loan Modification

Repair America's Credit has been helping our clients GET OUT of high debt situations for years.

We have the knowledge and the means to negotiate on your behalf to reduce the pay off of your overall debt by as much as 70% or more.

First thing we need to establish is that what has happened to you up until now is not your fault. It is a predatory system of Credit Card Companies and their Greed that has helped to drive you into your current situation.

Late Credit Card Payments

If you think about it, the credit card industry is designed to keep people in their system. People who can pay off their card every month don’t pay interest on the credit they use. For everyone else it is a completely different story.

Minimum payments DO NOT cover the interest owed every month, so the balance goes up. Recently the government mandated that minimum payment be doubled to help Americans get out of debt. The problem with that is many American were barely able to make the lower minimum payment.

If you balance goes over a certain percentage of the limit you have on your card, credit card companies increase your interest rate significantly thus driving your minimum payment even higher.

Late Payment

If you miss a payment, there are drastic fees and other penalties that make it even harder to catch up. By the time you pay off the debt, if it ever happens, you would have paid the balance at least ten times over.

So, if you are in a situation where the debt has mounted up and you don’t see a way to pay it off in one swoop, what do you do?

That is where we come in. Repair America's Credit has developed a number of systems to help you get out of debt in as little as 18-36 month all while making a payment that we help you determine to be affordable and give you the ability to get you and your family back on track.

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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