Debt consolidation is a process by which we can negotiate with all of your creditors to try and obtain the lowest monthly obligation needed for you to satisfy all of your current unsecured debt accounts.

So you make one LOW monthly payment which is then portioned out to your creditors.   This one LOW monthly payment will in most cases be lower than the sum of your individual unsecured debt accounts.

Creditors also recognize that people who enter into a debt consolidation program are trying to repay their debts in good faith. Creditors are usually more willing to extend terms to these clients in the hope that they will avoid the account from being turned over to a collections firm or the account holder going through the expense of declaring bankruptcy. 

In addition to our debt consolidation and credit counseling services Kimberly Credit also provides you with educational debt information. Our credit counseling site is designed to assist you in taking charge of your financial situation.