Debt Relief and Debt consolidation are not the same.

In many cases a debt relief program is the way to pay your debt and loans at a fraction of the balance, based on what you have paid to the lender already.

A debt consolidation program would pay these loans off in full without any questions asked.

You should consider a debt relief program when your not able to pay your debt or loans. 

Debt relief would give you back control of your checking account and you can pay your debt or loans on your terms vs. not being in control of your finances.

There are two different types of debt relief programs.

One being a debt settlement program which negotiates with your lenders for a faster loan payoff.

Second is a debt consolidation program would pay these loans off in full with the interest given by the lender.

In most cases a payday loan settlement program is your best option.

Debt consolidation involves restructuring your existing interest rates with your creditors.

We consolidate all your accounts into one convenient monthly payment. (If you are late we can stop the late and over-limit fees).

You can read this Wikipedia article on debt consolidation to fully understand what it is.

The consolidation process results in lower monthly payments, reduced interest rates, and elimination of over-limit fees and late fees.

Moreover, the payoff term is drastically reduced. Interest Rates are lowered in between 6 and 9%!!

Credit Counseling agencies have established relationships with major creditors across the country, both large and small.

Creditors are typically willing to work to facilitate the repayment of money owed by lowering monthly payments and reducing or eliminating an individual’s interest rates and late fees.

Bankruptcy is usually the last resort you should want to take in solving your financial problems.

Many individuals aren’t even aware of the consequences this can cause. Bankruptcy will stay on your credit report for at least 7 years. Future creditors more than likely won’t even consider extending credit to someone who has filed bankruptcy.

Debt Consolidation is your best and safest alternative if you’re considering bankruptcy.

All unsecured debts can be successfully consolidated with our Debt Consolidation program. Credit Cards, Department store cards, medical bills, utility bills, unsecured loans, and Payday Loans.

No, Debt Consolidation does not hurt your credit.

Rest assured, you can refer to MyFICO.com which states that credit counseling does not effect your credit nor score in any way.

Some Debt Consolidation companies fail to disclose that you should make your minimum payment while enrolled in the program. If these minimum payments aren’t made during the initial setup, it could have negative effects on your credit.

The difference between secured and unsecured debt is the following. Secured debt normally has collateral attached to it, which secures the debt. Examples: Your home mortgage. Your car loan, even your motorcycle. These are secured debts. Unsecured debt is a little bit different. Unsecured debt does not have any collateral. Examples: Credit Card Debt, Medical Bills, Department Stores, Signature Loans, Payday Loans, and installment loans. These all just require a credit check and your signature.

You can get out of your debt almost just as fast as you applied for them.

Simply close your checking account and consolidate your accounts into one comfortable monthly payment. Your lenders will have to be contacted immediately once you start our Debt Consolidation Program.

With this program it will give you back control of your checking account and most importantly your piece of mind.

Solid Ground Financial can get you the Debt Help you deserve.

1. Close Your Checking Account**
2. Gather Your Statements
3. Call Us For a quick and easy quote
4. Go Over Your Budget to make a sensible plan that you are confident in
5. Return Paperwork to Service Provider to contact lenders
6. Enjoy stress-free Debt Consolidation help!

**Do not close account until you have spoken to one of Solid Ground Financial’s representatives. Call 1-877-785-7817 or Apply Online Today!

The payments are calculated based on the creditor guidelines. Depending on what type of debt it is that will determine your payments.

The programs can work with, credit cards, department stores, payday loans, installment loans, student loans and any unsecured debt.

Debt Consolidation is designed to work with your lenders directly. These lenders will work through the program to consolidate your accounts.

The Debt Consolidation Program will consolidate your accounts into one monthly payment, while the program will give you back control of your checking account and paychecks.

No. Debt Consolidation is a proven method to ease the mental stress of Debt without posing risk to clients.

Debt Consolidation Program is back with a 100% guarantee and the Legal Protection Plan for those “just in case” moments.

If ANY lender takes you to court you will have legal coverage in your state, county and local courthouse.

Always be sure to contact an experienced Debt Consolidation company with proven results in Debt Assistance Programs. Always use a company that has a proven track record and supporting reviews from their clients.

Yes. In essence consolidating your debt is assisting you with your overall debt without harming your credit.