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Debt Reduction Services





Non-Profit Debt Consolidation Services
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Debt Management Questions & Answers

How do debt management and credit counseling programs work?
How do I know if these debt management programs are for me?
Can I keep some of my credit cards?
Why shouldn't I just take out an equity loan to pay off my creditors?
Wouldn't it be easier for me just to declare bankruptcy?
Will debt management services work with all types of debt?
What interest rate do debt management services charge?
How much do debt management services charge to enroll?
Why can't I negotiate with my creditors?
Will bill collectors really stop calling me?


How do the debt management and credit counseling programs work? Debt management programs allow you to pay off your existing unsecured debt under new terms. These new terms may include lower interest rates, lower monthly payments and waived late and over-limit fees. Debt reduction programs do not require you to declare bankruptcy or take out a new loan.


How do I know if these debt management programs are for me? If you're finding that you can only make the minimum payments on your bills, and your balances never seem to go down, debt managment programs can help. If you're behind in your payments and facing late fees, debt management programs can help. If creditors are calling you or your loved ones at all hours, our programs can help.


Can I keep some of my credit cards? Yes. We recognize that having a working credit card can come in handy for business purposes, emergencies, etc. Therefore, we leave it up to you to decide which accounts to include in your debt management program.

Debt Reduction Services
Lower My Bills - Reduce Your Credit Card Payments by 50%.



DebtWave - offers a unique approach that puts you in control of your financial future. Contact us now for a free and confidential consultation.



Why shouldn't I just take out an equity loan to pay off my creditors? A new loan won't reduce your present debt. It will only reshuffle the credit problems you already have. In addition, you can lose your home if you fall behind on mortgage payments. Debt managment programs could allow you to make smaller payments at a lower interest rate without putting your home at risk.


Wouldn't it be easier for me just to declare bankruptcy? Bankruptcy should always be a last resort. In the short term, bankruptcy sounds good to many people. After all, what could be better than having the majority of your debt wiped clean? The problem is that creditors have very good memories, and your bankruptcy will show up on your credit report for at least ten years. Debt managment programs may not only reduce your monthly payments, but in many cases they can actually improve your credit rating through what is called the re-aging process. Be sure to ask your credit counselor for more information.

Debt Reduction Services
Lower My Bills - Reduce Your Credit Card Payments by 50%.



DebtWave - offers a unique approach that puts you in control of your financial future. Contact us now for a free and confidential consultation.



Will debt management services work with all types of debt? The debt management and credit counseling programs in Ameridebt and the other nonprofit debt reduction services work with all types of unsecured debt, such as: credit cards, department store cards, medical bills, student loans, personal loans, collection agencies and unsecured bank lines of credit.


What interest rate do debt management services charge? Our debt management programs are not loans. Therefore, we don't charge any interest.


How much do debt management services charge to enroll? Our debt management services do not charge up-front fees for their services.


Why can't I negotiate with my creditors? Our experience has been that creditors are only willing to work with certified debt management organizations like ours. Each of our debt management services is a non-profit organization as approved by the Internal Revenue Service under section 501 (c) 3 of the Internal Revenue Code.


Will bill collectors really stop calling me? Yes. The counselers at our group of nonprofit debt reduction services understand that being trapped in debt can cause unbearable stress and anxiety. Harassing phone calls from your creditors only make things worse. Once you become a debt management client, the calls from creditors will ultimately stop. If some creditors continue to harass you, we have ways to make them stop.

Debt Reduction Services
Lower My Bills - Reduce Your Credit Card Payments by 50%.



DebtWave - offers a unique approach that puts you in control of your financial future. Contact us now for a free and confidential consultation.


Apply online today and start on the road to a debt-free life!

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