Why we are Better We are better than others in the debt consolidation business because of the following reasons: 1. We have counselors on staff that have been certified by the National Institute of Financial Education to assure the proper handling of your account 2. We are committed to assisting consumers who have had the unfortunate experience of becoming over extended with consumer debt. In addition to our debt consolidation program in which you can become a member of, we also provide you educational information. Our credit counseling site is designed to assist you in taking charge of your credit. 3. We have thousands of clients and are well known by many creditors. Thus we have more clout in the negotiation of favorable terms than other smaller entities. 4. We have unequaled experience in dealing with creditors both large and small. We deal on a day to day basis with creditors like: - Discover Card - Sears - Citibank - Chase - Advanta - MBNA - American Express / AMEX - JC Penney - First USA - AT&T Universal - Bravo Card - Associates Financial - FCNB - NationsBank - First Card - Montgomery Ward - Providian - Wells Fargo - Beneficial - Mervyns - Dillards - Radio Shack - Sallie Mae - Texaco - Macy's - Wachovia - Chevron - Lane Bryant - Lerner's - Home Depot - Amoco - Sam's Club - Whirlpool Financial - GE Capital - Columbia House - Nordstrom - Nationwide - And many more 5. Word of mouth by satisfied clients is our best source of advertising. (Please take a moment to read some of the unsolicited testimonials that have been sent to us. See Client Testimonials).

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