Financial Services


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Understanding your
alternatives is the important first step.
We can help.

Our Debt Counselors will explain your options, at no obligation or risk.

Care First Financial is helping good people like you every day by reducing your debt, to help you get free from debt forever.

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Total amount of unsecured debt must be $10,000 or more

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Credit Counseling

Credit Counseling can be accomplished in several ways. The most popular way is to enroll the debtor into a debt management plan. The plan works by you paying one sum to the credit counseling agency every month who then in turns distributes your payments directly to the creditors. In some cases, the credit counseling agency is able to convince your credit card companies to lower the interest rate on some of your debts. Although Credit counseling services can provide good financial management information and they may work for you if you have a low debt amount, please review some of the drawbacks:

Almost every credit counseling company is compensated by your creditors for bringing you in. That is right; they are being paid a percentage of the debt that they forward to the credit card companies. Ask yourself…whose best interest are they really serving?
Some credit counseling agencies supply relief by extending the length of you repayment terms. This means you may have lower monthly payments, but you may end up paying back up to 150% or more of the original debt!
These programs can be very long! Many times taking up to 7 years to complete.
Miss a payment to the credit counseling agency and you could be eliminated from their program or be forced to pay penalties and fees.

Getting Americans out of debt is
our business. Call 800-728-4798.

This web site is for informational purposes only. It is not intended to, nor does it, provide legal advice, nor is it intended to be a substitute for legal advice. We cannot make any promises or guarantees about the completeness or adequacy of the information contained on this website or about the results that you may achieve when you use our services. The debt settlement process has risks, and should only be used in the event of legitimate financial hardship. If you have sufficient income to reduce your debt load the ordinary way (by reducing the balances with payments in excess of the minimums), then you should definitely do so. Care First Financial works with Capital Support Services. THIS IS AN ADVERTISEMENT FOR OUR DEBT SETTLEMENT PROGRAM.

* Although Care First Financial makes every attempt to help you avoid filing for bankruptcy, every client situation is unique and we cannot guarantee that we will be able to keep you from filing for bankruptcy protection.