Consolidating debt without bankruptcy

The debt management program at In Charge Debt Solutions will consolidate your bills, reduce your monthly payments and interest rates and you don’t need a loan.

In Charge credit counselors work with your creditors and get you a single, predictable monthly payment that you can afford.

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But you don’t need a bank loan to consolidate debts.In this form of “consolidation” you make one payment to a debt settlement firm that then distributes the amount among your creditors.You actually consolidate your payments into one check. The debt settlement firm negotiates settlement with your creditors for each of your debts.Our financial literacy program will teach you how to save money, build an emergency fund and set achievable financial goals.Excessive credit card debt – the thing that gets people in the most financial trouble – is the best reason to consolidate debt.

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