Consumer Advisory: Consumers are advised not to accept any unsolicited calls from companies who promise to resolve bills. In addition, in accordance with FTC regulations, please be advised that NO upfront fees may be charged for resolution services and NO fees whatsoever until bills are successfully reduced or resolved. Consumers may also utilize the free self-help resources on this site or access the site resources that appear under “Consumer Debt Information”.
Consolidation options are now available for individuals, families, and businesses dealing with unmanageable bills.
Things have gotten to the point where there's no way out without assistance. Many people never imagined they'd find themselves in this situation.
Going from responsibly paying bills on time and having plenty in savings, to struggling to get by each month -- they're feeling like there's no way to make it through this.
Last month alone, we heard from more than 4,800 Virginia residents. Many were scared and not sure who to trust. Most didn't know about the programs they qualified for.
Hardship consolidation programs help people restore finances without filing bankruptcy. It's important to understand how the programs work and how to qualify.
See consolidation options for Virginia residents.
This site is a free educational and motivational resource to help people understand consolidation options. The site provides free do-it-yourself (DIY) resources, articles, and videos to help residents cope with financial difficulties. The information on this site is not provided by any state organization but as a convenience to state residents with links to state and federal hardship assistance for informational purposes only.
The company is not a lender, creditor, or debt collector.
Consumers may access a variety of consolidation options in addition to a loan. Consumers should be aware that interest rates for consolidation loans typically range from 5.99% to 35.99% Annual Percentage Rate (APR).
It is recommended that consumers consult with a qualified financial advisor before taking on a consolidation loan.
We do not discriminate on the basis of race, color, religion, sex, marital status, national origin or ancestry.
Testimonials are the individuals' expressed opinion and may not be reflective of all experiences with the company.
Consumer Advisory: Consumers are advised not to accept any unsolicited calls from companies who promise to resolve bills. In addition, in accordance with FTC regulations, please be advised that NO upfront fees may be charged for resolution services and NO fees whatsoever until bills are successfully reduced or resolved. Consumers may also utilize the free self-help resources on this site or access the site resources that appear under “Consumer Debt Information”.
We are based in California and therefore may be subject to the California Consumer Privacy Act of 2018 even with respect to persons who visit our website(s) from other locations. In that context, you may be entitled under that Act (the "CCPA") to request the following as and to the extent they apply to us:
Our webpages allow you to authorize us to collect such personal information and to disclose it to another party so that we can provide you the service(s) you request. We may receive a referral fee for doing so, which might be construed as "selling" your information even if only for the specific purpose that you have otherwise authorized. Thus, you may also be entitled under the CCPA to direct us to refrain from selling such personal information. Moreover, you may be entitled under the CCPA to request that we delete personal information you have provided to us when visiting one of our webpages.
To exercise any of the rights under the CCPA described above, please use the links below. Alternatively, you may send an email message to us at [email protected] stating that you want to exercise your rights under the CCPA. To protect you against misuse of your email and/or phone number, we will ask you to provide additional information verifying that the person making the request really is you or is an authorized agent of you before implementing your request under the CCPA.