Credit Counseling

Consumer Credit Counseling organizations work for your creditors. Credit Counseling is really a form of “soft collection”.

Credit Counseling organizations are paid by the creditors based upon how much they can get you to pay each month. They receive anywhere from 8% to 15% of what you pay.

You may receive a reduction in your interest rate and monthly payments, however this is in exchange for a substantially extended term of payments, often lasting as long as 10 years.

More than 2 out of 3 of those who try Credit Counseling do not complete their programs because of the high total cost of the programs and because of the slow progress in reducing their debts. The Credit Counseling industry is now under severe scrutiny by federal regulators due to this high failure rate.

Not all creditors participate in Credit Counseling programs. With those you are on your own to resolve your debt.

Consumer Credit Counseling

Provanta Debt Settlement

• The terms of your program are largely   determined in advance by your   creditors, often resulting in payment   conditions that are simply not feasible   over the long term.
• Your total cost will substantially exceed   your original debt.
• Getting debt free can take as long as   10 years.

• We plan the terms of your program   with you to assure it is feasible. Then   we negotiate on your behalf with each   of your creditors to settle your debt as   planned.
• Your total cost will be only a fraction of   your original debt.
• Getting debt free usually takes only 1 to   3 years.

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Provanta Debt Settlement

Provanta accepts applicants as clients in its debt settlement program who have credit card debt and other unsecured debt that is beyond their means to repay because they have experienced financial hardships. Debt Settlement is a negotiation with creditors resulting in the forgiveness of debt, usually requiring payment of only a fraction of the full amount due. If you become our client, the goal of your Debt Settlement Program will be to liquidate your unsecured debt in the shortest time possible at the least cost possible.

Danger Signs Of Excess Debt

You make only minimum payments on your credit cards each month.

You are at or near the limit of your credit cards.

You applied for more credit cards in the past year.

You have begun charging small items or essentials like food and gasoline.

You have recently paid a monthly bill using a credit card cash advance.

You are often late paying some or all of your bills.

You are unsure how much you owe creditors.

You are receiving calls or overdue notices from creditors.

You can't envision a life without using credit.

You have no budget.

Credit Counseling

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Provanta Debt Settlement

Danger Signs Of Excess Debt