Welcome to Effective Financial Solutions!

We are NOT a credit counseling service. The Credit Counseling Services usually work for the creditors – the banks and credit card companies – and earn a percentage of what you pay to your creditors. Using the Credit Counseling Services means you will be paying at least 150% (1 and ½ times) to 200% (2 times) of your credit card debt through your monthly payments to them. This often results in a lowered credit score (because you are using the credit counseling service) and still long years of payments to try and get out of debt.

What’s our difference? We work for YOU, not the banks or the creditors. We work with your affordable budget, which can be less than if you were paying the creditors directly.

Through the negotiation process, we can give you debt relief in about 15 to 36 months, depending upon your budget and your financial circumstances, with savings between 25% to 70% on the balances that you owe.

We give you debt relief without borrowing money, filing for bankruptcy or liquidating any assets. We negotiate with your creditors to establish an amount that you CAN afford through our debt elimination process.

As a BONUS, because we help you by working directly with your creditors, you are able to get on with your life, free from the STRESS that comes from creditor calls. We have seen time and time again, our clients being able to earn more money and live a happier life even WHILE THEY ARE ON OUR PROGRAM!

To learn about our program benefits, CLICK HERE.

CLICK HERE to contact us today for a FREE,
no obligation quote and consultation.

Start your way towards financial freedom
and truly become debt-free at last!

YOU CAN RECEIVE A HALF HOUR, FREE DEBT CONSULTATION!

Debt Facts

• Over 70% of all marriages that end in divorce are due to financial problems.

• 75% of all Americans are THREE (3) paychecks away from bankruptcy.

• Of those Americans 1.5 million will file bankruptcy; 1.5 million will participate in consumer credit counseling; and 37 million will TRY TO NEGOTIATE WITH CREDITORS THEMSELVES - which the creditors love, because the people in debt trouble are not professionals and do not know how the system really works.

• On average, when you buy something with a credit card, you pay 132% MORE THAN IF YOU USED CASH.

• Typical minimum monthly payments for a credit card are divided into 90% interest and only 10% to principal reduction. The principal amount on your credit card is what the product or service you bought cost you.

• Over 71% of all credit card accounts have only the minimum monthly payments being made by consumers.

• The debt load on the VISA credit cards, in the US, totals $1 trillion. Debt on Mastercard is $660 billion. With the rest of the credit card companies, the debt total comes to $2 trillion for the US.

Important Disclaimer: Any EFS expression about the outcome of any negotiation settlement are based on its best estimate only and are limited by a client’s financial resources at the time settlements are obtained and the creditor's disposition toward proposed settlements. Individual results may vary. There are risks and potential negative consequences inherent in participating in EFS’s, or any other, debt negotiation programs. Please click here for more details.