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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 500,000 North Carolina residents.

See Which Bills Qualify
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Operation Hope Council for Economic Education United Way

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 North Carolina Residents

Debt consolidation options provide a vital lifeline for North Carolina 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 500,000 North Carolina residents since 2009.

Government Debt Relief

Many North Carolina residents, along with countless others across the country, are struggling to make ends meet. If you're barely paying monthly credit card minimums and living paycheck to paycheck, you might be looking for government assistance to bridge the gap between expenses and income. While local and state agencies do provide a measure of emergency assistance for low-income families - there is no state or federal program in place to help provide consumers relief from credit card debt. The types of relief extended to banks and other financial institutions in recent years in the form of bailouts and loans unfortunately do not extend to individuals and families.

However, a variety of debt relief options are available to consumers who get in over their heads in debt. These options include debt consolidation, debt management plans (DMPs) coordinated by credit counselors, debt settlement or negotiation, or even bankruptcy.

Find out if debt relief can help you resolve your debts, whether you are struggling with credit cards, store cards, gas cards, medical bills, doctor bills, and more:

Get a free debt relief analysis and savings estimate.

Government Debt Help

Although the government does not offer government debt consolidation, credit counseling, or debt relief grant programs to assist consumers in need, much has been done in recent years to offer assistance and protect the rights of credit card holders and other individuals and families in debt, at both the state and federal level. Here are a few areas where the government is working on behalf of consumers to help debts become more manageable:

Credit Card ACT of 2009

While all consumers bear the responsibility for paying off credit cards and other debts they incur, in recent years, aggressive credit card company policies have, in part, contributed to the increasing level of credit card debt facing Americans. As a result, the the Credit Card Accountability Responsibility and Disclosure Act of 2009 is a federal statute passed and signed into law by President Barack Obama on May 22, 2009. Approximately nine months later, February 22, 2010, the bill went into full effect.

While the Credit Card Act of 2009 does not place restrictions or controls on credit card company pricing, interest rate caps, or fees - it does provide some strong provisions and protections to help consumers. This government debt help legislation is a proactive measure that can help provide a first-line-of-defense against credit card debt. It is aimed at addressing the credit card debt problem at its source, beginning with the actual policies and often confusing, hard to read terms contained in cardholder agreements.

The legislation was enacted due to the fact that many citizens and many in Congress believed that the credit card company revolving debt machine had gotten out of hand. Arbitrary rate increases, failure to give significant advance notice of rate increases, hard-to-decipher credit card company disclosures and agreements, and a very harsh credit card company practice called Universal Default, were just some of the factors contributing to the debt epidemic.

Therefore, it is now mandatory, through the Credit Card Act of 2009, that credit card companies give 45 days advance notice of a rate increase. If the cardholder chooses to cancel the card in question, they are allowed to pay off the balance at the older, existing rate, not at the new higher rate. In addition, credit card companies no longer are allowed to retroactively increase interest rates on the balance of a cardholder in good standing for reasons that have nothing to do with the cardholder's payment record with that particular card. In past years, credit card agreements that included the Universal Default provision allowed credit card companies to hike up rates suddenly, at the sign of any change at all in the credit "profile" of the individual. Therefore, consumers with credit cards that included the Universal Default provision could be paying a 10% interest rate on a card and have a perfect payment record with that particular card, but if the consumer applied for credit, bought a car, or even became late on a different credit card - the card that you had a perfect record with could assess those events, totally unrelated to your payment record with them, and legally hike interest rates from 10% to up to 29% or higher. This practice was known have been a predatory practice by credit card companies, as it dealt a crushing blow to many consumers, many of whom were already deep in debt. So, while the government does not provide credit card debt relief grants, debt management, debt consolidation aid, or special programs to bail out everyday consumers from their debt, these provisions and others from the Credit Card Act of 2009 have been a positive step to help consumers avoid the trap of credit card debt in the first place.

If you are struggling with credit cards and other unsecured debts get a free debt relief analysis and savings estimate.

Mortgage Debt Relief

In addition to credit card relief legislation, the government has also stepped up to help consumers who have been hit by the sub-prime credit meltdown. The United States Department of Housing and Urban Development (HUD) assists consumers via a program call the FHA Secure loan program. This helps provide aid for homeowners who are facing possible foreclosure and may need to refinance a subprime credit mortgage.

Federal Student Loan Consolidation

Another area where the government is helping to provide consumers with debt relief is in the area of federal student loan debt consolidation. This program may allow debtors to consolidate all federal student loans into a single, lower interest rate loan and make a single, easier payment each month. It is important to note that this loan consolidation program only applies to federal student loans and not privately funded loans. For more information and assistance, go to the U.S. Department of Education's Federal Student Aid page.

State Financial Assistance

In addition to federal economic relief aid, the state of North Carolina also has a variety of programs available to help consumers in need of relief. North Carolina, similar to the federal government, North Carolina does not have credit card relief programs, grants, or consolidation loans to help consumers pay off their credit card debt obligations. However, for individuals who are struggling - including low income families, the elderly, and those needing medical assistance the state does offer several areas of support. To learn more about these services, go to the state's homepage and click on the Benefits page.

Various consumer and resident programs are available to North Carolinians including "Better Choice", a program created by the North Carolina Treasury Dept. Better Choice helps consumers locate legitimate payday lenders with short-term grants and loans from fair and honest financial services in North Carolina. Other financial relief programs deal, such as TANF - Temporary Assistance For Needy Families. TANF is aimed at helping low-income individuals and families find independence by providing money and grants for dependent children, relatives and parents with whom they live, and for pregnant women.

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.
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