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Helping State Residents Understand Options For Consolidation

Consolidate Qualifying Bills Into One Lower Monthly Payment

  • See your qualifying accounts
  • Compare best consolidation options
  • Request one lower monthly payment
  • Avoid bankruptcy

Join 100,000 Nebraska residents.

See Which Bills Qualify
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A Message of Hope...

These are uncertain times for everyone. We have a message of hope for you, your family and your neighbors. We're committed to guide and support you. We believe there's no place for passing judgment, only lifting each other up as we work together to remove the burden of financial difficulties. Together we are stronger.

Help For Nebraska Residents

Debt consolidation options provide a vital lifeline for Nebraska residents who are struggling to keep up with minimum payments, those who have fallen behind, or those who are being forced to use credit cards or personal loans to take care of personal or business expenses.

Which Accounts Are Eligible?

Most of these accounts are eligible: credit cards, store cards, medical bills, personal loans, and other unsecured debts not backed by collateral.

What Are The Benefits?

These plans are designed to consolidate all qualifying accounts into one lower monthly payment so you can resolve financial burdens faster without declaring bankruptcy. This could immediately provide much-needed breathing room for you each month.

We're here to help you. We've served over 100,000 Nebraska residents since 2009.

Debt Consolidation Loans

If you're struggling with debts spread across multiple credit cards and other types of unsecured debts, you're not alone. Many Nebraska residents and consumers all across the country are also overwhelmed with credit card debt due to any number of reasons, such as unemployment, medical bills, or unexpected personal hardships. The good news is, help is available. Many consumers have found relief from their debts thanks to a variety of debt relief options, including debt consolidation loans, debt management plans coordinated by credit counselors, debt settlement or debt negotiation, and even bankruptcy.

If you are struggling with credit cards and other unsecured debts, find out how debt relief plans may be able to help you resolve debts in an easier and more predictable way, and at a pace that you can afford. Get your free debt relief evaluation and savings estimate.

How Debt Consolidation Loans Work

The goal of debt consolidation loans is to combine or "consolidate" multiple high interest rate debts into a single, lower interest rate loan. In theory, the consumer takes the proceeds from the consolidation loan and pays off high interest credit cards, then only has a single, lower interest rate debt consolidation loan to pay off. For some individuals, this method works depending on a variety of factors, including the type of debt they have and the terms of their loan.

But a debt consolidation loan is certainly not a method that will work for everyone. There are times when it may not be the best course of action to take "unsecured" debt such as credit cards and convert that debt into a new loan that is "secured" by a home or other asset. Why? Because if consumers hit a rough spot financially and fail to live up to the terms of their debt consolidation loan, they could be putting their home or other asset in jeopardy. In addition, many consumers who take out debt consolidation loans do indeed payoff their credit cards, but then end up accumulating a whole new batch of credit card charges. Now, there's the responsibility to pay off a debt consolidation loan AND a new round of credit card charges. In this scenario, which unfortunately is very common, the consumer's debt crisis has gone from bad to worse.

If you are considering a debt consolidation loan, first take a moment to find out how a structured debt relief plan may be able to help you resolve debts faster and save money. Simply answer a few simple questions and get your free debt relief evaluation and savings estimate.

How Debt Management Plans Save Money and Resolve Debts

Debt management is a popular option among many consumers who are looking to get relief from high interest credit card debts as well as other unsecured debts – such as utilities, department store charges, gas cards, or even medical or doctor bills. With debt management plans or DMPs, consumers seek to combine multiple debts into a single, more manageable, and more predictable payment plan made to a credit counseling agency, who then distributes the monthly payments to creditors month after month until debts are resolved.

The goal behind a debt management program coordinated through a credit counselor is for the debt counselors, working on behalf of consumers, to contact credit card companies and get them to accept proposals and agree to extend the benefits of debt relief to consumers who are experiencing a financial hardship. These benefits typically include lower interest rates, a waiving of late fees and penalties, and a more manageable and more structured monthly payment plan. When the consumer stops ringing up new credit card charges and begins to pay down debts month after month on time, at lower interest rates, the process of debt resolution becomes more structured and more predictable. While debt management plans do not make debts magically go away, they can be very effective for some and save a substantial amount of money if followed faithfully. Overall, they are an honorable way for consumers to resolve debts and fulfill their financial obligations as promised.

If you are interested in seeking debt consolidation options or a debt management plan with help from a credit or debt relief counselor, take a moment to find out how debt plans may be able to help you resolve debts faster and save money. Get your free debt relief evaluation and savings analysis today - at no cost to you.

State Resources for Low-Income Individuals

While debt relief programs help many Americans during times of financial hardship, others may need more immediate relief, such as help paying for utilities, rent, childcare or even buying groceries. The state of Nebraska has a variety of financial assistance programs available, such as The Low Income Home Energy Assistance Program (LIHEAP) or the Nebraska Transitional Assistance Program.

To find out more about these programs and related services, go to the state's homepage and click on the Benefits page.

How Debt Settlement or Debt Negotiation Works

Another popular debt relief option is debt settlement, also referred to as debt negotiation or debt mediation. The goal of debt settlement is for consumers, through a debt negotiator, to get individual creditors to agree to "settle" debts for substantially less than the full amount owed. Debt settlement typically involves the process whereby consumers in distress stop paying high interest credit card minimums and instead begin to "set aside" those monies to be used for the purpose of extend a debt settlement offer, through a debt negotiator, to a credit card company.

It's important to know that debt settlement, while increasingly popular as an alternative to personal bankruptcy, is an aggressive debt relief option. Consumers should understand that when they stop paying cards according to the terms of their agreements, creditors can threaten or take legal action. In addition, money that is saved by settling for less is subject to taxation. Finally, debt settlement will normally have a negative impact on personal credit, but not as serious or long lasting an impact as personal bankruptcy.

If you are struggling with credit cards and other unsecured debts and in need of debt relief assistance, simply answer a few simple questions and get your free debt relief evaluation and savings estimate.

Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's bankruptcy alternatives to lower your payments and get you out of debt much faster than you ever imagined.

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, bankruptcy alternatives can help save you money and get you out of debt faster.

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is there are bankruptcy alternatives that can help you save money each month and take control of credit card debts.

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are hardship programs that can help you.

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are hardship programs to help you get back on track.

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is there are hardship relief programs that can help you save money each month and help you get out of debt faster.
See If You Qualify for Relief by Phone
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