Consolidating Delinquent Accounts

If the original creditor is still handling the accounts we CAN work with the account.
However if they have been sold to an OUTSIDE Collection Agency we may not be able to work with the account in our Debt Consolidation/ Debt Management Program. (If you unsure who is handling the account call the original creditor. They will either speak with you or tell you the account has been sold and refer you to a different company.)

Collection Agencies have become increasingly more difficult to work with. A majority of the time, they will not accept a Debt Consolidation/ Debt Management Program Proposal because the payment they are offered is too low. We do offer a completely different Program for people who are dealing with collection accounts. This program is called Debt Negotiation/Debt Settlement. If you would like a quote for that program just let us know, again by filling out an application on our website or calling our office with the information.

*If the MAJORITY of your accounts are with the original creditor we will enroll you into our Debt Consolidation/ Debt Management Program and then try our best to work with the remaining outside agencies.

*If the MAJORITY of your accounts are with Outside Collection Agencies we will not be able to help you with your accounts in our Debt Consolidation/ Debt Management Program but we will be happy to discuss our Debt Negotiation/Debt Settlement Program with you.

1. If you are current we advise you to stay current with your creditors until they receive your first debt management payment from A New Horizon, if you do not be aware that you may receive letters, late fees, and phone call until negotiations are complete.
2. You will receive statements from both your creditors and A New Horizon each month. The statement from your creditors will be a statement not a bill. It will reflect the payment made to them by A New Horizon. A New Horizon will send out a separate statement reflecting all of your accounts.
3. Your creditors may report to the credit reporting agencies that you’ve enrolled into credit counseling or debt management. If your creditors do report, a DM or a CC will appear next to each account that you enrolled. Once the credit cards, reporting agencies and future lenders see your monthly payments are consistent and on time, they will view the Debt Consolidation/ Debt Management Program as a positive move, in an effort to satisfy your debts and rebuild your credit.
4. You can pay ahead at any time without penalty. You would simply need to call A New Horizon at least 5 business days prior to your payment date and let them know that you wish to pay more. You can be account specific. If you are not they will simply divide the extra money evenly between all of your accounts.
5. You may add or remove creditors from the program at any time. Be advised removing an account from the program does not re-open the account.
6. Proposals will not be sent to your creditors until we receive your completed paperwork in our office and your Membership Fee is paid in full. Once this is accomplished we will send your file to A New Horizon. Within 7-10 business days you will receive a Welcome call from them. If they leave you a message you will need to return the call. The Welcome Call needs to be completed in order for the process to keep going. They will then assign you a counselor, so you will become familiar with the person who will be handling you account. They may also request additional information, on a case-by-case basis, above and beyond the information we have collected. It would be your responsibility to get any additional information to them.

Again, if you are interested in a free Debt Consolidation/ Debt Management Program quote please fill out an application on our website or call our office at 1-800-413-4404.

Fill out the application on the next page or Enroll By Phone 1-800-413-4404 (9am-10pm CST Monday-Saturday) Click here for the free quote form!