When you consolidate debt, you are combining of all your unsecured monthly bills into one monthly payment. This type of debt consolidation does not offer loans; instead, the counselors work with clients and their creditors to reduce their overall interest rate, monthly payments, and most importantly the time it takes to pay off their debt. At gccg.org our goal is to help you find the office with excellent costumer service and years of industry experience.

Your certified, professional advisor will contact you after reviewing the submitted information to confirm your outstanding debts. After you sign up, they will contact your creditors to have your interest rate and monthly payments lowered so that that your monthly payments will be affordable. You will no longer pay your creditors directly, but will make monthly payments directly to the Consumer Debt Consolidation office. Each month, on a date that you specify, they send your payments to your creditors.

After agreeing to work with a Consumer Debt Consolidation office calls from collectors will gradually lessen as they begin to handle your debts. Generally, within a short period, the calls will stop as it becomes known that you are working to pay off your debts.

Creditors agree to lower your monthly payment when you are working through a consolidation company because you are, in fact, trying to pay your debts. Your creditors lose money if you default on your loan or file bankruptcy. If they compromise and accept lower interest, it is much more likely that they will be able to collect more of what is owed. GCCG works with counseling offices that have an excellent working relationship with your creditors and because of that relationship is able to work out an easily affordable plan.

Debt consolidation is often viewed by creditors as a positive, good faith effort on your part to repay your debts and can actually improve a damaged credit rating.

We have a list of counseling offices that will work to reduce your monthly payments from all major credit card companies, department stores, medical clinics and hospitals.

You automatically qualify if you are carrying at least $2,000 in unsecured debt. If you are seeking to get on the right financial track, then fill out the form on the right for a FREE debt analysis.