Let the experts handle your debt!
Certified Debt Specialists

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Latest News

  • 0111.2010
    The FTC has placed a ban on upfront fee to debt relief and debt management companies that sell their services over the phone.
  • 1903.2011 Secret of financial success
    We offer all of our clients a Financial Success Kit. Our goal is not only to get you out of debt, but help keep you from getting back into the same situation in the future.
  • 2603.2011 Financial Forums
    The Financial Forums. A place to chat, blog and learn about everything that has to do with money and finances.
  • 0404.2011 Dispute your credit report
    We have created a free Do it Yourself Credit Repair website. Many valuable resources on how to clean up your credit.
  • 1602.2011 DIY Clean your credit
    This is a fantastic article on DIY credit repair. Writen by one of our managers, his personal story of when he began working in the debt management industry.
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Non Profit Debt ConsolidationGot Debt?
We can help you consolidate.

ADC has been offering Non Profit Debt Consolidation and negotiating with creditors since 2001 . Our experienced team of certified professional debt specialists can help you reach your financial goal of being debt free in 12 to 48 months. We offer two different types of services Debt Consolidation and Debt Settlement. The two programs are very different from one another we recommend that you   Read More...

Call us Toll Free 1-800-395-7105 or begin your free online debt consolidation quote below....

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We work for you Not the creditors!

In the credit card debt consolidation program we work directly with your creditors to lower your monthly payments as well as lower your interest rates.

We work with a certified non profit agency to help consolidate your debts which will lower your monthly payments as well as your interest rates. In turn you will get out of debt faster.

We also offer Debt Settlement services and several other debt relief products and programs.

The non profit debt consolidation program is available to united states consumers that have $5,000 in debt or more and have found themselves struggling to meet their monthly financial obligations. Home ownership is not required and there is no credit check. To see if you qualify please start by filling out the form above or call the toll free number.

The debt settlement program is a for profit program, however at the end of the program you'll end up paying less than you would in the non profit program. See example below...

 

You have $20,000 in total credit card debt.

On average in the debt consolidation program you'll pay $450 monthly for 60 months, in total you'll pay $27,000.

That's still a much better deal than paying on your own at 19% APR at $500 a month for 18 years and pay over $45,000.

In the debt settlement plan, you'll pay $300 monthly for 40 months and in total you'll pay approximately $12,000. The downside to this program is that it will negatively effect your credit score. But, don't forget it's always fixable.

You need to ask yourself.....

How much do I want to pay monthly and in total?

How quickly do I want to be completely debt free?

How important is my credit score to me over the next 2 - 3 years?

If, you don't need a good credit score over the next 2 to 3 years, and you need the lower monthly payment or just want to get out of debt quicker. Than we'd recommend the debt settlement program.

If, you Do need a good credit score over the next 2 to 3 years, and you don't mind paying more monthly and for a longer period of time. Than we'd recommend the non profit debt consolidation program.

 

 

Debt Settlement