Debt management is a structured plan that helps you consolidate and repay your debts through manageable monthly payments, often at lower interest rates.

Credit rehabilitation focuses on repairing and rebuilding your credit score by addressing negative items, improving payment habits, and managing debt responsibly.

No — in fact, responsible debt management and credit rehabilitation typically help improve your score over time.

Yes, once a plan is in place, we can often work directly with your creditors to reduce or stop collection activity.

Every situation is different, but most clients begin to see noticeable improvements within three to six months.

Not at all. We specialize in helping people with damaged or low credit — that’s what we’re here for.

We assist with most unsecured debts, including credit cards, personal loans, lines of credit, and collection accounts.

Absolutely. Your privacy and financial security are our top priorities — all information is kept 100% confidential.