Frequently Asked Questions

Q: What is debt reduction?
• A: Debt reduction is the process of negotiating a lesser payback to your creditors. This process offers our clients a consolidated payment and a large overall savings. We also give our clients the ability to be debt free in just a fraction of the time that would normally be associated with paying off their debts.

Q: What is unsecured debt?
• A: This is a debt that is not attached to any item, bank account or property. Forms of unsecured debt would include: Credit cards, medical bills, repossessions, department store cards and personal loans.

Q: What is secured debt?
• A: This is a debt that is secured by some form of collateral. That means that the balance owed to the creditor is a non-negotiable figure. Forms of secured debt would include: Mortgage payments, vehicle payments, student loans and income taxes.

Q: How do I apply for your program?
• A: It's very easy! Just complete a confidential inquiry form on the right and a debt reduction specialist will contact you to discuss your financial situation. Once the debt reduction specialist has reviewed your finances and completed a basic application, they can begin to tailor a program that will fit your financial needs.

Q: Do I have to include ALL of my credit card accounts?
• A: NO. Our clients have the freedom to pick and choose which accounts they would like to include in our program.

Q: Will my personal information be kept private and confidential?
• A: Absolutely! Our clients' privacy is very important to us and only authorized personnel will have access to your information.

Q: Why should I choose no-debt-today.com instead of a credit counseling company?
• A: Credit counseling programs are funded by the creditors as an alternate way to keep receiving monthly payments from the consumer. Therefore the credit counseling companies work for the credit card companies. We DO NOT work for the creditors; We work for you. Since we are not funded by the credit card companies, our clients can be assured they we have their best interest in mind when we are dealing with their creditors.

Q: Is your program the same as bankruptcy?
• A: Notl. Debt reduction is for consumers who want to pay back their creditors but either can't afford the minimum payments or simply cannot justify paying such ridiculous finance charges. Bankruptcy is a way for a consumer to completely eliminate their debts and, in some cases; the creditor would not receive a penny. Bankruptcy laws, however, are very strict and most consumers may not be eligible now. Also, a bankruptcy reports as a completely separate note line on your credit report.a debt reduction program does not.



We can provide you with information and assistance on how to manage various medical debt situations or predicaments that you might find yourself in, such as medical debt help, medical assistance, help with medical bills, help for medical bills, unpaid medical bills, financial assistance for medical bills, paying medical bills, how to pay off bills, medical bankruptcy, help paying medical bills, medical bill negotiation, unpaid medical bills, financial aid for medical bills, medical debt consolidation, medical bill help, hospital bills, bankruptcy from medical bills, how to get financial help with medical bills, past due medical bills, how to consolidate medical bills, paying your medical bills, medical assistance online, how to negotiate medical bills, medical bills assistance, help with hospital bills, negotiating hospital bills and financial assistance.

To find out if you qualify simply fill out the Free Consultation form.