After enrolling in a debt reduction program, a trained, personal credit counselor will be assigned to your account. Your counselor will review your debts and financial situation and develop a repayment program based on your personal situation and needs. Your personal debt counselor will then begin negotiations with your creditors to reach am equitable agreement lowering or eliminating high interest rates, waiving late fees, and re-aging past due accounts to reflect as up-to-date. You can then begin to make one affordable payment each month which will be dispersed to your creditors monthly. Reducing high interest rates allows you to pay off your debt faster and easier. You can save thousands of dollars over the life of your debt. Because these counseling offices have years of experience and working relationship with your creditors they can provide you with better repayment terms allowing you to start on your new goals of debt free living as quickly as possible.

They are focusing on a customized service for each client in order to reduce your monthly payments, interest rate, and other fees including late fees and over-limit fees in clients' affordable financial situation.

GCCG also provides a client with an electronic program regarding the development of dept management in order to collaborate with each client to develop a DMP that includes permission to contact creditors to verify obligations and to negotiate adjustments and payment schedules and the development of a payment schedule and reduced budget for the repayment period.

Our policy indicates that the 100 percent of amount of money for debts you send monthly to us is credited to your creditors' account whether creditors offer fair shares or not. Our primary concern is to have you pay the debt from creditors as quickly and securely as possible.

If you start debt-free life with DMP, please contact professional counselors immediately. We are waiting for your phone call. Free Korean and Chinese Counseling Toll free at 1-866-439-4224

GCCG provides accredited, professional counselors to assist our clients in developing how to use credit cards wisely, managing their money correctly and planning out a budget that is tailor-made to each individual. Additionally, our experienced counselors will also offer you an one-on-one collaboration on analyzing your Personal financial difficulties and providing with you the education for your financial management and /or self-administered liquidation strategies, not just only for the present time, but also for the years to come in your financial management career.

In order to better assist our clients' financial situation, we will cooperate with you on the budget sheet so as to work out the most appropriate financial plan varied to all kinds of client's financial status. Moreover, GCCG will develop a budget-saving plan with respect to your budget sheet and help you prioritize and adjust your monthly expenses, regarding housing costs, utilities, food, and transportation by careful advice to reduce to spend an unnecessary payment. The service is at our clients' convenience in the language of English, Korean and Chinese through e-mail (www. gccgroup.org), telephone (1-866-439-4224) or in-person counseling session.