Please fill out the following information completely. This will generate a Free Instant On-line Quote. All information must be filled out to the best of your knowledge. Approximate balances of each creditor are sufficient. Please Do Not include Mortgages, Auto Loans, Child Support, State Taxes, Pay Day Loans, Garnishments, Judgements, Business Accounts or anything secured with collateral.

Acceptable Unsecured Debt: Credit Cards Store Cards Unsecured Bank Loans Hospital Bills Student Loans (Sally Mae Only) Old Phone Bills Old Utility Bills Repossessions Gas Credit Cards Collection Accounts

Unacceptable Debt: Auto Loans Mortgage Loans Garnishments Judgements Secured Loans State Taxes Child Support Payday Loans Business Accounts Motorcycle or Boat Loans Any Credit Union Loan Dell Accounts

Any account you include MUST have a total balance of at least $100 or more.

If your residence is in Michigan or Maryland we will NOT be able to help you.

This free quote system and calculations are certified copyright registered. Any reproduction or derivative copy made and/or used without permission will be pursued and prosecuted under the full extent of the law. © Copyright 2002-2007

The approximate monthly payment and payoff period quoted to you from our quote system is based upon a percentage of your balance (usually between 1% to 4%) and the lower interest rates you will receive once your account is set up. The minimum payment guidelines and the lower fixed interest rates have been PRESET by the participating creditors for ALL consolidation companies to follow.

If you receive a lower quote from another company, it is most likely a "debt negotiation" or "debt reduction" company. To read what these debt settlement companies WON'T tell you, click on the link to your left named "What Debt Settlement / Debt Negotiation Companies Won't Tell You".

If you receive a lower quote, a lower monthly payment amount and/or lower payoff period from a consolidation company keep in mind that ALL consolidation companies have to follow the same guidelines preset by the creditors. So if you are given a lower monthly payment quote and/or a lower payoff period you can be sure it will change. The main difference between programs and companies are the monthly fees charged. So with everything else being equal if they are charging you a higher monthly fee your payment is going to be higher and your payment term may be longer regardless of what you are told. You will be notified of these changes after you have signed up for their program.

Keep in mind the monthly payments and payoff periods quoted are only approximations. No company will guarantee the monthly payment and/or the payoff period quoted. This is mainly because of the daily change in debt balances. We have minimized this issue by placing the creditor guidelines into our free quote system. This helps us to insure you receive the most accurate monthly payment and payoff quote possible.