Complete Debt Help FAQs

Do you offer consolidation services?

No. This site is designed to help educate consumers on their debt solution options and provider referrals to local and national services that are experience in providing complete debt help. Neither this site nor its owners/operators directly offer any debt consolidation services.

How long does it take to get a referral through this site?

No time at all! Once you have filled out our form, you will be instantly based, upon your answers, be matched with a debt counseling service that will evaluate your credit and debt situation thoroughly, make a recommendation, and then give you the opportunity to work with them to resolve your debt situation.

How long does debt consolidation take?

Debt consolidation as an option for managing your debt can be managed in as little as a week or take much longer depending on the method that you choose to acquire the new loan. If you are getting a new credit card to pay off other debts, you may be approved instantly Online and be able to make the payments on your other debts in just a few days. On the other hand, if you are applying for a home equity loan or home equity line of credit then you may have a lengthy application and approval process to go through before you can begin paying off your debts. Debt negotiation service time varies as well depending on the extent of your debt and your personal situation.

Do you offer any guarantees?

No. There are no guarantees or warranties implied by this site or its owners/operators. If you use our services and are referred to a counseling service that offers to help you, they may or may not offer guarantees of a sort that are completely independent.

Will credit counseling services hurt my credit score?

Simply speaking to a credit counselor will not hurt your credit score. Getting debt consolidation will affect your credit score, but if managed properly, it can be in a positive way as you pay off many other outstanding debts. Debt negotiation services will have a definite and negative impact on your credit score immediately, but usually this is only recommended as a near (next to bankruptcy) last resort, in situations where your credit has already been seriously affected in a negative way.

How much do credit counseling services cost?

Different services cost different amounts and these prices can vary from counseling service to counseling service. You may ask up front for a full schedule of fees that a service will charge you for what they plan to do to help with your credit situation.

Is my information secure?

Absolutely! This site uses the latest in secure socket layer (SSL) Internet technology to encrypt your information when you submit it in our form in order to make sure it is safe from prying eyes. Be sure to ask for the privacy policy of the credit counseling service that you decide to do business with before you sign any contract to make sure your information remains safe.