How do the DebtServe debt management and credit counseling programs work?
DebtServe works directly with your creditors to create the ideal repayment plan for you. Since DebtServe is a non-profit agency, creditors are willing to offer our clients numerous benefits, such as; lower interest rates, lower monthly payments and waived late and over-limit fees. The DebtServe programs do not require you to declare bankruptcy or take out a new loan. Take two minutes and apply today.

How do I know if these programs are for me?
If you're finding that you can only make the minimum payments on your bills, and your balances never seem to go down, the DebtServe programs can help. If you're behind in your payments and facing late fees, the DebtServe programs can help. If creditors are calling you or your loved ones at all hours, our programs can help.

Can I keep some of my credit cards?
Yes. We recognize that having a working credit card can come in handy for business purposes, emergencies, etc. Therefore, we leave it up to you to decide which accounts to include in the DebtServe programs.

Why shouldn't I just take out an equity loan to pay off my creditors?
A new loan won't reduce your present debt. It will only reshuffle the credit problems you already have. In addition, you can lose your home if you fall behind on mortgage payments. The DebtServe programs could allow you to make smaller payments at a lower interest rate without putting your home at risk.

Wouldn't it be easier for me just to declare bankruptcy?
Bankruptcy should always be a last resort. In the short term, bankruptcy sounds good to many people. After all, what could be better than having the majority of your debt wiped clean? The problem is that creditors have very good memories, and your bankruptcy will show up on your credit report for at least ten years. The DebtServe programs may not only reduce your monthly payments, but in many cases it can actually improve your credit rating through what is called the re-aging process. Be sure to ask your credit counselor for more information.

Will DebtServe work with all types of debt?
The DebtServe debt management and credit counseling programs work with all types of unsecured debt; such as credit cards, department store cards, medical bills, student loans, personal loans, collection agencies and unsecured bank lines of credit.

What interest rate do you charge?
The DebtServe programs are not loans. Therefore, we don't charge any interest.

Why can't I negotiate with my creditors?
Our experience has been that creditors are only willing to work with certified organizations like DebtServe. DebtServe is a non-profit organization as approved by the Internal Revenue Service under section 501 (c) 3 of the Internal Revenue Code.

Will bill collectors really stop calling me?
Yes. DebtServe understands that being trapped in debt can cause unbearable stress and anxiety. Harassing phone calls from your creditors only make things worse. Once you become a DebtServe client, the calls from creditors will ultimately stop. If some creditors continue to harass you, we have ways to make them stop.

Is it safe to sign up over the Internet?
Absolutely. DebtServe has gone to great expense to ensure that ALL the information you provide us with will be kept safe, secure and strictly confidential. You can also access all of your accounts with DebtServe online 24 hours a day, seven days a week.

Is there a real person I can talk to?
Absolutely. Our credit counselors are available throughout the business day to answer your credit questions and address any of your concerns. Our toll-free number is [1-866-600-8866].

Where do I send my payments?
DebtServe
1802 N University Dr
Suite 102-250
Plantation, FL 33322

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DebtServe can get you out of debt.
It all starts with our FREE, no obligation
Two-Minute Application.