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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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Debt Consolidation

Debt Consolidation is the process of combining all of your debt into one loan to create ease in repayment. Put another way, Debt Consolidation is the process of taking out a new loan to pay off a number of other debts.

Consolidating all your debt into one monthly bill may seem like a great way to take control of your debt, but at Care First Financial we urge you to be very careful. There is a very high chance that you could end up in even deeper debt!

Like many things in life, Debt Consolidation Loans have a catch. At Care First Financial we have found many clients who have ended up with a larger debt due to the high APR's (Adjusted Periodic Rate) of Debt Consolidation Loans. If you have found yourself in a similar situation, do not worry; we have helped hundreds of people just like you.

Here are a couple things to take note of if you are thinking of a Debt Consolidation Loan. When a lender loans money to pay off all your credit cards and other debt, you have one monthly bill which is paid to the lender. Often these loans do not have a lower APR, and can be as high as APR's of 24%. Even if you do get a decent APR, you are still in debt. The big mistake which we have seen at Care First Financial is people giving up unsecured debt for secured debt. Most Debt Consolidation Loans are given in the form of home equity loans; which means if you do not pay you could lose your home. At Care First Financial we understand that Debt can be a stressful time for many people. Do you really need to add the stress of possibly losing your home with unsecured debt?

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.