American Debt Counseling, Inc. | Debt Consolidation Counseling

How Debt Consolidation Works

First:
The first step is yours
Either fill out the short FREE Consultation form, or call us at (954) 656-8117. Providing us the necessary information will only take about 15 minutes.

Second:
We stop the harassing phone calls!
We contact all your creditors and let them know that we are putting together a Debt Consolidation program. At this point all harassing phone calls will stop. If any collection agency or creditor calls you, just give them our customer service number and we will handle them.

Third:
We negotiate with your creditors
After we have all the pertinent information about your debts and finances, we contact your creditors and negotiate on your behalf.

Lower your monthly payments to one you can afford
Eliminate or reduce your high interest rates*
Eliminate late and over limit fees
Re-age your account to current, preserving your credit rating

Fourth:
Approve the agreement
We forward the negotiated settlement to you for your approval. Just sign your approval, and mail it with your new low monthly payment.

Debt free, free at last
Due to the eliminated or reduced interest rate,* most of your payment will be paying off principal instead of interest as before. The debts will be paid off in 2 to 4 years in most cases, instead of twenty to thirty years. This will result in saving you thousands of hard earned dollars in finance charges.

Click for your FREE debt reduction analysis, or call (954) 656-8117 now!

*In most cases based on the creditor's present Debt Management Program (DMP) rates