Consolidation FAQ

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Q: Why can't I just negotiate with creditors on my own?
A: In some cases, you can negotiate with creditors on your own to arrange payment or have positive information reported to a credit bureau. However, to get the benefits of lowered monthly payments, lower interest rates, stopped late charges, and waived over the limit fees, you need North America's Premier Debt Management Firm. As a non-profit organization, North America's Premier Debt Management Firm credit counselors can secure you these benefits not usually available to credit consumers.

Q: Why can't I just keep paying off my creditors on my own?
A: If you keep paying just the minimum to your creditors at the current interest rate, it will take you much longer than if you paid off your debt through North America's Premier Debt Management Firm. A $10,000 debt usually takes 32 years and $24,500 to pay off, if you are paying the monthly minimum of 2.5% of the balance at an average interest rate of 18.5%.

Because we may be able to reduce your interest rates, stop over the limit fees, and so on, it will take a lot less time to pay off your debt through us. Chances are, in the past, all your debt payments have just gone to pay off interest. You probably haven't even reduced the balance! On average, North America's Premier Debt Management Firm clients pay off their debts in 3 to 5 years, depending on individual circumstances.

Q: How will joining affect my credit rating?
A1: Do you have a good credit history? If yes, then you should be aware that your credit report may state that you are working through our Debt Management Firm. We can't guarantee how future creditors will interpret this information, but the Debt Management Firm will provide you with a letter of reference that will only help your chances of receiving future financing.
A2: If no, then North America's Premier Debt Management Firm can only help you. If you make your payments in full and on time to North America's Premier Debt Management Firm, then many of your creditors will "re-age" your account, which means they will show your accounts as current after several payments. In general, if you are paying off debt, that can revitalize your credit report. Showing that you are working through a credit counseling service may show future creditors that you needed help but wanted to pay off your debts in full.

Q: Can I send in more money once I have a better cash flow?
A: Of course - you can always increase your monthly payment. The more you pay, the faster your accounts will be paid off. Just let North America's Premier Debt Management Firm know you want to increase your payments beforehand so we can figure out which creditors to pay more money.

Q: Should I pay my bills in the time before I send you my first payment?
A: That's your decision, however we recommend that you do if you can. There is a brief negotiation period of approximately 30 days after we receive your first North America's Premier Debt Management Firm payment. During this time we make arrangements for future payments with creditors. If you miss due dates for accounts during the negotiation period, you are at risk of penalties and negative information reported to the credit bureau.

Q: After I pay off one account, can I just pay less?
A: That's your decision, but we highly recommend that you pay the same amount and transfer whatever you used to pay for the other account to a high interest account. That way, as you pay off each account, you end up paying more to the remaining accounts, speeding up the process without changing your monthly spending budget.

Q: Will I still receive harassing phone calls?
A: You might the first several months on the program since it takes time for your creditor's collections department to find out you're with North America's Premier Debt Management Firm. If you get a harassing call, inform the party to call North America's Premier Debt Management Firm and speak to your account specialist. If you get a harassing call from a collection agency that is not part of your creditor's company, we will provide you with a cease and desist letter. 3rd party collection agents must obey this letter, according to the Fair Debt Collection Practices Act. Make sure you tell your account specialist if you receive any such calls from a collection agent.

North America's Premier Debt Management Firm offers the most beneficial programs in the industry! We offer many unique solutions, which include client rebates for timely payments!

North America's Premier Debt Management Firm understands the countless circumstances that force consumers into debt: medical emergencies, sudden loss of income, and over spending... Our counselors can tailor a repayment plan to meet your particular needs. We negotiate the best possible arrangements with your creditors so that you repay your debt and meet living expenses at the same time.
The minimal fees are easily offset by interest rate savings and rebate programs we offer to you while you are with us.

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Special Notice:
When a company checks your credit record, it can be very dangerous to your credit!
Avoid this credit report pitfall!
The Credit Bureau's Reports

Before you start applying everywhere, realize this:
2 or more recent credit checks (inquiries) will negatively affect your credit score. Your credit score can be seriously damaged!
But, you can avoid this pitfall and still be able to apply at several companies if you are turned down, you can go to the next lender and apply without worry about your credit being damaged.
Here is how it works:
If you order a copy of your credit report in advance, a lender can pre-approve you with a
faxed copy of your credit report.
If they decide to reject the loan, you can continue to apply at different lenders until you find one that accepts you. Still no credit checks against you!
Before completion of the loan process your actual lender will probably need to do a final check on their own, but now you have only one inquiry on your records instead of two or
three or more!
Note: when you purchase your credit report, it does not show up as an inquiry!
It is a good idea to know in advance what your credit score is and if there is any incorrect information on your reports.
Unfortunately, most recently reported by CBS and NBC, and CNN,
79% of all credit reports have some incorrect information.
You really need to know what is on your credit record!
Be sure to get the one with all 3 credit bureaus reports as you will need all three.
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Questions? Contact: Support contact
Because we receive so many emails a day, and have so many different services,
we may need additional information to find your records and/or to respond properly.
When you send in your comment, please be specific and if you are an existing member,
send your member receipt number.
If we get an a message that reads something like this: "How long will it take?"
It is hard for us to know who sent it, what it pertains to and how to reply.
Be specific as possible. We get questions about many different services.
The more information you send the faster everything goes.

Our Privacy Policy
We will never sell your information. We do not share ANY information with outside parties.
To prevent unauthorized access, and ensure the appropriate use of information, we have appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. We use return email addresses to answer the email we receive and you have the option to "opt out" of our contact with you in the future. Such addresses are not used for any other purpose, are not shared with outside parties, and are never sold. Your information will not be kept on file after 6 months. It will be destroyed at that time.

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