If you have any questions about our debt repair services, you can find answers to some commonly asked questions below, or contact us directly.

What causes bad credit?

It takes several months or even years to damage your credit. Credit cards have given people the ability to spend more money than they make, which leads to credit card debt that can be extremely difficult to overcome. Failing to pay your bills, or making late payments on the outstanding balances on your credit cards and other bills will impact your credit. There are a number of factors that will destroy your credit, but the good news is you can change your habits and improve your credit fairly quickly.

What is bad debt?

Bad debt is any debt that you owe that doesn’t appreciate in value. Credit card debt and payday loan debt are examples of bad debt, because the product you receive will not gain value over time. On the other hand, mortgage debt and student loan debt are examples of good debt because both of those purchases are expected to have a good return on your investment.

How do you repair bad debt?

It normally takes approximately two years to pay down your debt and repair your credit. However, it is possible to get your finances back on track in less time.

Here are the steps necessary to repair your credit:
* Get a credit report to see your credit history.
* Negotiate your payments with your creditors.
* Avoid tax liens and bankruptcy.
* Always pay your bills on time.
* Pay down your debt and reduce the line of credit on your credit cards.
* Close any credit card accounts that you don't absolutely need.

What should I do if the collection agencies won't stop contacting me?