Keeping your credit cards current is important but national statistics tell us that it takes over one year for every thousand dollars owed to pay creditors at a 20% Annual Percentage Rate on debts over $5000. Sooner or later, your debt will overpower your ability to pay your bills on time. This can have an effect on your credit rating. If you are spending more then you make then you are obviously in need of a debt consolidation plan.
With todays interest rates, credit card debt can be never ending. United financial is a registered non profit, fully certified debt consolidation company that has provided successful consolidation services to thousands of grateful clients nationwide.
Debt consolidation is a process of restructuring your existing debt with your creditors. Debt consolidation is not a loan, but a way to lower your monthly payments and lower (sometimes even eliminating) the interest you are currently paying.
A bankruptcy will destroy your credit. Most financial institutions will not even consider a credit application involving a bankruptcy for at least 3-5 years.
With a debt consolidation plan you will set yourself in motion to get out of debt. A lower monthly payment will make it more convenient for you to pay off your debt, thus relieving your daily financial and emotional stress.
Most unsecured debt can be included in a debt consolidation program. For example, credit cards, medical bills, student loans, taxes and bank lines are debts commonly consolidated. Secured loans such as a mortgage or a car loan usually cannot be consolidated successfully.
We have posted the Fair Debt Collection Practices Act so you may understand your rights and avoid becoming a victim to your creditors.
There are no up front fees to examine your indebtedness. We analyze your debt completely and explain the consolidation process prior to your acceptance of our services. If another company requests prior payment of any kind you must question why this is necessary. Any company looking to charge an up front fee must raise some questions in your mind.
All major credit card companies, department store cards, hospitals and medical clinics, student loan bureaus and federal revenue departments to name a few.
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