Freedom First works directly with your creditors to create the ideal repayment plan for you. Since Freedom First works directly with a non-profit agency, creditors are willing to offer our clients numerous benefits, such as:

• Interest rate reductions
• Consistent on-time payments
• Reduced late charges

Before a client joins Freedom First, most of his or her payments are applied to interest charges. This barely changes the balance amount. By reducing the interest, you can pay off the balances in a lot less time!

The Debt Management Program is also designed to provide you with easily accessible help and guidance. Our counselors are available to handle harassing phone calls from creditors, assist you with credit situations and teach you how to handle credit in the future. Our counselors also make budgeting suggestions so that you can save more money each month and spend your earnings more efficiently.

Do you think you would be better off declaring bankruptcy?

Freedom First can probably help save you those court costs and the loss of precious assets. Please talk to one of our counselors if you are considering bankruptcy to find out about the alternatives. We can direct you to bankruptcy assistance if that is the best solution for your specific situation.