Schedule a free 1-hour video consultation on my calendar and you'll be emailed a Zoom link. On the day of our meeting, press the link and we'll be connected. We'll take 1-hour to review your situation, credit report, and determine how much I can lower your monthly payment and save you in total through consolidation. I'll then answer all of your questions. If you wish to proceed, we'll schedule our next appointment. If you don't wish to proceed, you don't owe me a penny. Services are for Illinois residents only.

Our initial appointment is completely free. If you wish to proceed thereafter, $500 will get your consolidation application filed and savings started. The remaining costs are built into your monthly payment. In the above charts, all fees and costs are already built into the calculations to give you an idea of just how much you can save both monthly and in total, even after all costs are included.

Qualification does not depend upon your credit score. In general, you're qualified if you have sufficient income to pay off your credit cards, but without interest, over five years. Income can be from your job, a spouse's job, self-employment, rental income, retirement income, a family member's contribution, child support, etc.

Yes, if you are qualified, and most people are, your creditors must accept a 0% interest repayment. There is no negotiation. This is your right under federal law. The main purpose of our free initial consultation is to make sure you qualify. At the conclusion of our meeting, I'll be able to tell you with certainty one way or the other.

You can consolidate a minimum of $25,000 and a maximum of $465,275 of credit card and personal loan debt through our office.

Yes! Payments can be customized to meet your needs. For example, if you have a car loan or 401k loan that will be paid off in the next 60 months, we can set your payments to be less now and more when you pay off the loan. No other consolidation has this feature. (See the last FAQ for a client example.)

No. Loans increase your debt. This is a consolidation through chapter 13 of the Bankrutpcy Code. Upon filing, creditors are notified by the court that they can no longer collect from you. Rather, they must submit proof of what you owe as of the date your application is submitted. A consolidation administrator called a "trustee" is then appointed to receive your monthly payment & distribute it to creditors at 0% interest. Once payments are done, you get a court order stating you're debt free.

If during your consolidation your income decreases involuntarily (for example because of a job loss, pay reduction, divorce, serious injury, serious illness, etc) we can usually modify your consolidation repayment plan to suspend payments, reduce payments, or even get the payments forgiven. No other consolidation has this feature.

No. Consolidation will not result in the loss of any of your property. Nothing you own, including, but not limited to, your home, vacation property, cars, boats, RVs, bank accounts, investments, retirement accounts, or any other property, will be taken from you.

In most cases, you can buy a car or home both during and after the the consolidation.

In most cases if you follow Attorney Skowronski's advice your credit score will go up (if it's currrently bad) or stay about the same (if it's currently good).

Yes. When Paul came to us he was paying $1,373 in minimum monthly credit card and loan payments. He was also paying a car note at $1,000 per month for the next 30 months. To make life more affordable, we consolidated his debt to a 0% interest rate and reduced his monthly credit card and loan payments to $350 per month until he paid off his car note. Then, when his car was paid off and he had an extra $1,000 in disposable income, we increased his consolidation payments by that amount.