Questions and Answers

Q. Can Debt Doctors stop harassing phone calls?
A. Absolutely, if you get a harassing call after you have started our program, all you need to do is inform your personal counselor and he/she will put an end to it.

Q. Can Debt Doctors save our house even if it's in foreclosure?
A. Yes, in most cases.  Please understand, there are many variables when dealing with a mortgage company and real estate.  So if your mortgage is delinquent, call us immediately. We have many years of experience saving peoples' homes, and as a result, we are one of the few credit counseling companies who will help with mortgages. If you are behind on your mortgage payment it is better to come to us before you are in foreclosure.

Q. What if I'm about to have my car repossessed?
A. The answer is much the same as the one above, but relating to a car instead of a home.  

Q. If I just have credit card debt, why do I need Debt Doctors?
A. Most creditors will do far more for Debt Doctors than for any individual.  Most will reduce interest, sometimes to 0%, drop late charges and over limit fees.  This will make a huge difference as to how fast you will get out of debt.
Let's say you owe $10,000 in credit card debt and you, like 50% of all consumers, are making minimum payments on credit cards that have an average interest of 21%.  It would take you 32-35 years to pay them off and cost you over $50,000.
Debt Doctor's clients pay off their debts in 3-5 years, depending on individual circumstances.  Not only do most creditors reduce their charges, which greatly speeds up paying them off, but when one of your creditors is paid off, we take that payment and send it to the most expensive remaining creditor.   That way, your program snowballs to greatly reduce your time in debt.

Q. Will this affect  my credit?
A. It depends on what your credit looks like now.  If you do not have good credit, Debt Doctors can help.  If you are behind on some payments, after a few months with Debt Doctors most of your creditors will bring accounts up to date and that can only improve your credit rating. All creditors would rather see you with a credit counseling agency than file for bankruptcy. If you have good credit when you start the program, initially your credit report may reflect some late payments during the set up of the program, however, if you stick to the plan, your credit will emerge in better shape, showing paid in full debt and on time payments.