Consalidating credit cards
You don’t need a loan to eliminate credit card debt.
A debt management program consolidates all your credit card bills into one, lower monthly payment at a lower interest rate. The traditional method of consolidating debt is to take out one large loan from a bank or credit union and use that money to pay off several smaller debts.
That can be effective, unless you have a less-than-perfect payment history and low credit score, which means you may not be approved for a debt consolidation loan or bill consolidation loan, as it is sometimes called.
In either case, the loan you get will carry a high interest rate.
But you don’t need a bank loan to consolidate debts.
The debt management program at In Charge Debt Solutions will reduce your monthly payments and interest rates and provide bill consolidation – all without a loan.
In Charge credit counselors work with your creditors and get you a single, predictable monthly payment that you can afford.
Make on-time monthly payments and you eliminate your credit card debt in 3-5 years.
Ever feel like you are juggling too many payments with too many due dates?
With In Charge’s debt management plan, you can schedule the exact day of the month that your single debit pays all of your debts.
This means no more confusion over what needs to be paid when: your debts are all paid with one payment.
We can help you become debt free, but how do you stay that way?We’ll teach, motivate and inspire you to stay debt free.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.