Debt Consolidation Benefits
- Elimination of past-due collection calls
- You can have a choice of payment dates and payment options
- Waived late fees
- You may Reduced or even eliminate high interest rates
- One Low monthly payment – dispersed to all creditors that are on the debt program
Debt Consolidation and Credit Counseling
for people all across the USA
Why will creditors lower my interest rates for you?
Creditors realize that we are many times the last resort for many people and they would prefer not assigning the account to the collection agency. They also realize that we work with people on debt management and budgeting. Since you have made a commitment to us, they feel that you are a better candidate to make monthly payments to us as opposed to filing bankruptcy. We also eliminate an awful lot of paperwork for the creditors and they appreciate that.
What exactly is unsecured debt?
Unsecured debt is when a creditor holds no collateral. For example, an unsecured debt is usually in the form of: credit cards, department store cards, medical bills, and gas cards. No form of collateral such as a home or car was utilized to
secure the "loan" for services rendered or goods received. With a secured loan, and as a precaution against "default" (non payment) what is used as "collateral" for the loan could be liquidated.
Why shouldn't I file for bankruptcy?
Most people file bankruptcy to escape bill collectors. With Kimberly Credit Counseling , we offer a safe and sound alternative to bankruptcy. As with most people interviewed, surveys show most people would rather not file bankruptcy. By enrolling in a Kimberly Credit Counseling program, our satisfied customers are able to avoid the bankruptcy mistake.
When will my first payment be due?
When you enroll in our debt management program, you have a choice to pick the payment date that's best for you. You may choose any day from the 1st to the 30th of every month, keeping in mind that your first payment will be due within the first 30 days after enrollment.
Can I still use my credit cards?
Since your creditors know you have a sincere desire to get out of debt, usually the accounts that you have included in your debt management program are either frozen or closed until you are debt free.
