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Credit counseling is a process to help people in debt regain control of their finances. Many people choose credit counseling as an alternative weather you have good credit or bad credit. Debt Consolidation provided by Erasing Debt is voluntary. Debt Consolidation is a process in which your debt are combined into a single monthly payment that is more managable, often with much lower interest rates.
In contrast, when you file for Chapter 13 bankruptcy, it becomes public record. Such a step has serious and long-term drawbacks, which may negatively affect your life for decades. You may also have difficulty obtaining credit in the future. For these reasons, bankruptcy should be avoided, and only used as a last resort.
For more infomation about our credit counseling and debt consolidation programs, please fill out the form on the right side of this page
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