FAQ: Frequently Asked Questions 1. Do you provide loans? No, we do not provide loans. We provide a debt consolidation service which will allow you to satisfy your current obligations without incurring more debt. (See Why a loan won't help you for some reasons why the last thing people with credit problems need is more debt) 2. Do you charge a fee? Yes, however this fee is structured into your monthly payment program and is far below the amount of money we save you in reduced interest charges, late fees, and total monthly expenditures. (See What is debt consolidation for more about why we can get the creditors to lower your monthly obligations) 3. Are you a collection agency? No! We work for you! We will stop creditors from harassing you once you join our program. 4. Do you repair credit? Through the use of our services, your credit rating will improve by showing a positive payment history as we consolidate your debt and pay your creditors monthly. However, we do not erase negative credit history. Any person or company who says they can is lying. What we will do is ensure that upon completion of the program, your creditors acknowledge in writing that you have satisfied your debt with them. 5. Can you consolidate things like a home mortgage and/or a car loan? No, we work only with unsecured debt which is debt that is not backed or underwritten by an asset. (See Types of debt we work with for more information)

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