Getting started is as easy as picking up the phone and taking to one of our debt specialists. Your path to financial freedom is just 1 toll free phone call away!
Call us today at 800-385-3688
We recognize that each individual's situation is different. The length of time needed to complete the program varies with each individual. The average time a client who continues with their plan can complete the program in about 36-60 months, depending on the individual's financial situation.
From day 1, you will be working with a team of debt specialists. Our dedicated attorneys and staff will guide you through every step of the process and make sure you make informed decisions along the way to your financial freedom.
That depends on what your credit looks like before you enrolled in our debt management plan. In general, if you do not make payments to your creditors according to the terms of your agreement with them, your credit will suffer while you work through and recover from your financial difficulties. Does One Payment Law offer credit repair services once i complete the program? No, we do not offer credit repair services, and we are not a credit repair company. There are other companies that assist consumers in getting their credit back on track, in addition to providing other services that will improve your credit score over time.
Yes, sometimes that will be necessary. Your active involvement in the process is very important. Sometimes creditors can be difficult to work with debt management companies, your participation may be required to a greater extent. There may be times when you will be required to actively participate in, or even directly communicate with, a difficult creditor.
No, we cannot guarantee the results of any particular negotiation or that any particular creditor will negotiate with us. We cannot force a creditor to accept a Debt Management Plan, but we will always use our best efforts to negotiate with any particular creditor.
Our debt specialist will talk to you about your finances, to see how they can help you save money. Before calling in, please make sure you have:
1. Your most recent monthly credit card or any unsecured debt statements
2. Your monthly household income
3. A list of your various monthly bills and obligations
Consolidation is the process of taking all your credit card and personal loan debts and any other unsecured debt, and rolling them up into a single and more affordable monthly payment. This makes the management and payment of all your various unsecured debts more convenient.
Unsecured debt
1. Credit cards
2. Medical bills
3. Personal loans
What do we mean by secured debt?
1. Mortgages
2. Car loans
First, you evaluate your credit history and dispute any incorrect findings. Then you can prioritize the actions that will improve your credit score the fastest.
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