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FAQs
| Debt and Credit Advisors is an independent organization that provides guidance and advice to people with debt. It was co-founded by business leader, money expert and national financial commentator Jennifer Openshaw. |
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The service is free of charge
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Debt and Credit Advisors recognizes that many companies are offering debt help, and that the choices can become confusing and overwhelming. There are really only a few options available, but choosing the wrong option can be costly in both time and money. If you are not careful, you may find yourself in a worse situation than you were in before. Debt and Credit Advisors can advise you on the best option for you based on your individual situation. Choosing the right debt option will save you lots of money and many months of interest and fees on debt payments.
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There are only 5 options for getting out of debt.
- Do it yourself
- Consolidation Loan
- Consumer Credit Counseling
- Negotiation and Settlement
- Bankruptcy
Please see your debt options page for more information.
Debt and Credit Advisors can advise you on which option is best for you based on your individual situation.
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There are many companies today making false claims and false promises about their debt elimination programs. Consumers must beware! There are pros and cons to every debt elimination program. Debt and Credit Advisors can assist you in making the right decision.
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Anyone who is having difficulty paying their debts. This includes those facing unforeseen circumstances, such as a job loss, marriage break-up or medical crisis, those who have been late repeatedly on their debts or those thinking of bankruptcy. Often, consumers just need guidance and knowledge to improve their financial situation. We do all this at Debt and Credit Advisors.
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Absolutely not. The advice is free and there is no risk or obligation.
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Every debt situation is different. An analysis of your unique situation would be required.
Rest assured that Debt and Credit Advisors will advise you on the path you should take to eliminate your debt as quickly and inexpensively as possible.
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Bankruptcy is the last resort and every possible option will be explored before such a recommendation is made.
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Debt and Credit Advisors does a thorough investigation of every company and/or service that is recommended. Customer service is of utmost importance. These companies and service providers may or may not pay Debt and Credit Advisors for their recommendation.
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Monday through Friday 9:00 a.m. to 5:00 p.m. Pacific Standard Time or 12 noon to 8pm Eastern Standard Time.
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Debt and Credit Advisors will discuss your unique situation, perform an analysis, and make recommendations. The advice given by Debt and Credit Advisors will be solid, objective, and non-biased. The information you share remains strictly confidential.
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We will need some basic general financial information about your situation, such as your income, expenses and debts. The information given is always kept confidential.
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