Frequently Asked Debt Relief Questions

Anybody who has more than $2,000 in unsecured debt (credit cards, personal loans, etc.) who is 18 years or older and currently employed, or at least has a regular income.

Debt Clinic helps with unsecured loans, such as credit cards, personal loans, medical bills or past-due utility bills. This includes back taxes with the IRS and state tax commissions as well.

We do not consolidate and cannot reduce monthly payments on vehicle loans or home mortgages unless foreclosure action or repossession has already happened.

Collection calls will typically stop once the creditor starts receiving payments through Debt Clinic. If the calls continue, please contact us.

Contrary to popular belief, debt management is not a loan. A debt management program allows you to make one monthly payment that is, in turn, distributed to your creditors.

This eliminates the need to make individual payments to each creditor. Many creditors allow you to reduce your monthly payment and reduce any interest and late charges, thus stopping collection calls. This way, more of your payment goes toward reducing your debt and getting you out of debt faster.

Once you've enrolled in our debt management program and all paperwork has been completed, a proposal is sent to each of your creditors for the amount indicated by your Debt Clinic counselor.

Absolutely not! Bankruptcy is a process in a federal court in which the assets of an individual experiencing financial difficulty are sold. The individual is then relieved of further liability to their creditors. However, bankruptcy will stay on your credit report for 7-10 years and greatly hinder your ability to get new credit.

Our debt management program is an actual repayment of your debts and a "cleaning up" of your credit report. It will boost your credit score as your balances are paid off.

Our agency works with many creditors who will re-age or bring your account up to date, thereby removing your current delinquency rating on your account. This is done by making consistent payments through our program.

Yes! Our program is designed exactly for this type of situation. We'll work with you and your creditors to create an affordable, manageable budget.