Instead of traditional and nontraditional financial management programs and mechanisms, Debt Group America, it's debt consolidation counselors and partners offer real credit card debt reducing programs and opportunities for structural savings to occur, but only if your unsecured debt is enough to qualify, qualification is determined by your debt amount, type of debts and willingness to payback a fraction of the total debt amount owed to your credit card issuers and lenders.

Assume you want to consolidate multiple higher-rate loans into a single lower-rate loan and make one consolidated payment. To do this cost-effectively, keep the following points in mind:

Your monthly, fixed & consolidated payment is based solely on your income and debt, a certified debt counselor will contact and negotiate with all your creditors to agree on a consolidated monthly payment amount. Every month you send the agency a single payment that is portioned out to each of your creditors until your debts are paid off. Our debt consolidation counselors can arrange with your creditors to reduce or waive interest and late fees.