About 1 on 1 Debt Consolidation

1 on 1 Debt Consolidation offers bill consolidation and credit debt counseling programs. We are dedicated to helping people like you break free from the burdens of debt. Our priority is to help families turn around their financial situations and become debt free.
As a non profit, we work for you not the creditors. We specialize in debt counseling for unsecured loans such as credit cards, collection accounts, charge offs, personal loans, IRS debts, medical and utility bills, student loans, judgments and more.

If you are ready to put your debt behind you and get on with your life then fill out a free no obligation application now! Soon after analyzing your application a certified credit counselor will contact you and provide a free budget counseling session to go over your debt to income ratio and explain our consolidation services so you understand the benefits available to you with no obligation.

The consolidation of your debts can lower your monthly payments and interest rates up to 60%! A single monthly payment, no more collection agency harassment, and no more money wasted on high interest rates, late, overlimit, and past due fees. Creditors prefer to collect debts at reduced rates rather than forego them completely to a customer declaring bankruptcy or charging off the accounts. Consumers would prefer to protect their valuable credit for the future and manage their monthly bills more effectively with one monthly payment. We provide all this with our non profit services to help you become debt free and rebuild your credit.

Once financial problems have begun, using a debt management service demonstrates responsible action taken by you to avoid further financial difficulties. Creditors generally read this as a plus in evaluating your credit worthiness and can help rebuild your credit score over time. 35% of your credit score is affected by timely, monthly payments.

Why 1 on 1 Debt Consolidation?

We have a professional staff of certified credit counselors ready to assist you in re-negotiating your terms with your creditors. We deal with both large and small credit institutions and we can work for you to often eliminate both interest and penalty charges.

Creditor calls are taken by our professional customer service representatives, not you. Creditors recognize us because we help people repay their obligations through our non profit debt counseling services. Creditors can avoid using collection agencies, and you can avoid the harassing collection calls and the devastation of filing for bankruptcy.

*** CLICK HERE FOR OUR FREE DEBT CONSOLIDATION APPLICATION ***

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