Consumers in Iowa are feeling what many other Americans have been experiencing – the dreaded sense of gloom that comes with going down with the sinking ship under the load of unsecured debt. This happens when you are no longer capable of paying your bills each month and start paying on the minimum due. Once this happens you fall into a vicious cycle of only paying interest charges and never paying down the principle. If you have multiple payments like this it seems you will never get ahead. Late fees and penalties are atrocious.
If you are in this quagmire at have at least $10,000 in unsecured debt we can help.

• Credit card debt
• Cell phone bills
• Dental bills
• Medical bills
• Utility bills
• Any unsecured debt without collateral

There are two ways we can help you get control of your monthly payments and reduce your overall costs for debts that are not backed by a car or house, for example. In these programs we devise a doable payment schedule for you and negotiate with your creditors on your behalf.

• Debt Settlement /Debt Negotiation. This plan cuts back your payments as much as 50% to 75%. We work out a lower balance due for you. Your unsecured debts are combined into one sensible monthly payment that you can handle. It may take 6 months to 36 months to get the total paid off. One by one your creditors are paid the money until you are free of unsecured debts.
• Debt Consolidation/Consumer Credit Counseling. This program also gets your monthly payments reduced to a reasonable sum because we structure a relationship with your creditor that entails a major reduction in interest. You pay the principle but your payments can be reduced by as much as half. Within five to seven years you can be debt free.

Call Today for Debt Counseling

There is no longer a need for you to believe you should go bankrupt because you are over your head in bills. There are easier ways to handle your debts and save your credit rating. We are waiting to help you right now.
Call today for Iowa Debt Settlement and Consolidation.