Frequently Asked Questions

What is considered a hardship?

We deal with individuals and families facing hardship cases such as divorce, medical problems, loss of income/job/limited income, high interest rates, living paycheck to paycheck, etc. Credit card debt is a dangerous and growing problem. The average American family...

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What is a credit report?

A credit report is a record of your credit activities. It lists any credit card accounts or loans you may have, the balances, and how regularly you make your payments. It also shows if any action has been taken against you because of unpaid bills.

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What if my credit is bad?

A Loan Modification is not based on credit. The banks are trying to make a good loan out of a troubled loan. The loan modification will not hurt your credit; generally only late payments or a foreclosure will negatively affect your credit score.

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Free Debt Consultation

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