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Helping State Residents Understand Options For Consolidation

Consolidate Qualifying Bills Into One Lower Monthly Payment

  • See your qualifying accounts
  • Compare best consolidation options
  • Request one lower monthly payment
  • Avoid bankruptcy

Join 750,000 Pennsylvania residents.

See Which Bills Qualify
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A Message of Hope...

These are uncertain times for everyone. We have a message of hope for you, your family and your neighbors. We're committed to guide and support you. We believe there's no place for passing judgment, only lifting each other up as we work together to remove the burden of financial difficulties. Together we are stronger.

Help For Pennsylvania Residents

Debt consolidation options provide a vital lifeline for Pennsylvania residents who are struggling to keep up with minimum payments, those who have fallen behind, or those who are being forced to use credit cards or personal loans to take care of personal or business expenses.

Which Accounts Are Eligible?

Most of these accounts are eligible: credit cards, store cards, medical bills, personal loans, and other unsecured debts not backed by collateral.

What Are The Benefits?

These plans are designed to consolidate all qualifying accounts into one lower monthly payment so you can resolve financial burdens faster without declaring bankruptcy. This could immediately provide much-needed breathing room for you each month.

We're here to help you. We've served over 750,000 Pennsylvania residents since 2009.

Pennsylvania Debt Resolution Pros and Cons

Debt resolution is an option that has become increasingly popular among people who need help high-balance credit cards (typically $20,000 to $125,000 or more). Through debt resolution, debt specialists negotiate with creditors on your behalf – with the goal of "resolving" your credit card debt for substantially less than you currently owe.

Pros of Debt Resolution

  • By resolving debt, you can save a substantial amount of money
  • Can help you resolve credit cards in as little as 12-36 months
  • Allows you to make low monthly payments you can afford
  • Resolves debt and provides alternative to bankruptcy
  • While negative to credit, not as severe or long-lasting as bankruptcy
  • Unless "attorney-based" fees only paid after successful resolution

Cons of Debt Resolution

  • Typically only benefits those with high-balance credit cards
  • Amount of money saved through debt resolution subject to taxes
  • Requires discipline to "set aside" money for successful resolution
  • Creditors may threaten, or take, legal action to collect debt
  • Negative impact on credit due to default on credit agreements
  • Creditors may not agree to accept your debt resolution offer

Summary: What to Expect with Debt Resolution

If you have one or more high-balance credit cards and are going through financial hardship – credit card companies may agree to "resolve" your credit card debt for substantially less than you currently owe.

How does debt resolution work? A debt specialist will review your current credit card debts and the amount of money you can afford to set aside each month to accumulate a "resolution fund". Debt specialists will then negotiate with credit card companies on your behalf with the goal of resolving debt for substantially less than you currently owe.

How much debt resolution could potentially save depends largely on the amount of credit card debt involved, your current financial circumstances – and the resolution policies of credit card companies.

It's important to understand that, just as no two debt situations are exactly alike, no single debt solution is right for everyone. Your debt specialist can provide more details regarding debt resolution or debt negotiation as part of your free analysis and savings estimate.

See If You Qualify for Relief by Phone
Toll free (877) 781-2174
Tap Here to Call
Para asistencia en español llame (855) 996-0444
Friendly, caring, specialists available now.