Welcome to CRG'S Website

At Consumer Resource Group we help our clients take control of their lives, step away from the brink of financial ruin and enjoy a debt free life. Like any ailment that is left untended, living with excessive debt can have detrimental effects on all aspects of your life. We understand your situation and we want to help find the best solution for you and your family.

We Want to Help! Call Today: (800)566-8781

	Get your finances under control
	Interest and principle reduction programs available
	Resolve your unsecured debts in 15 to 60 months

The longer you wait the more detrimental the effects of excessive debt can be on your overall well being. Living debt free means less stress and a higher standard of living. Our councilors can help you start improving your quality of life today.

Debt Relief Opportunities

We specialize in assisting consumers make the right decisions when faced with a financial hardship. If you are in a position to repay your debts without assistance, there is probably not much CRG is going to be able to do to help you. On the other hand, if you find that there is frequently no money left at the end of the month, it is quite possible you would qualify for a debt relief program.

Reduces your Standard of Living

Few people realize that having something sooner rather than later can double or triple the cost and put them on a repayment plan that can consume all their disposable income for the next 15-25 years.

Creates Serious Health Risks

Excessive debt can subject you to stress - the alarm system that tells you there is a threat to your survival. The body responds by releasing stress hormones and increasing your heart rate, blood pressure, breathing and muscle tension. Every time you feel stressed, your body is going through this. The cumulative effect is increased risk to many diseases.

Increases the Risk of Divorce

Excessive debt can place undue stress on your relationships. Households with high debt to income ratios have a higher risk of domestic violence, infidelity and divorce.

There are a number of financially catastrophic events that could result in you seeking out debt relief options - a medical emergency, the loss of a job, a divorce or any other circumstance that put you in a situation to have more debts than you can repay. If this sounds like your situation, contact one of our councilors. It costs nothing to explore your debt relief options.

Bankruptcy

Bankruptcy is the correct choice for families that have become insolvent and do not expect any change in their income in the foreseeable future. The good thing about bankruptcy is that it can discharge some or all of your debt and it will stop any legal actions being taken by your creditors, including foreclosures, repossessions and garnishments. Bankruptcy may seem like the light at the end of the tunnel, but it can impact the course of your entire life. For this reason, bankruptcy should only be considered after all other options have been exhausted.

Bankruptcy Alternative

There are many opportunities to get your financial situation under control short of bankruptcy. One obvious bankruptcy alternative is to liquidate assets. For instance, if you have a home that is worth more than you owe, you could sell your home and use the proceeds to pay the debt. This may not be a pleasant thought, but it is a viable alternative to bankruptcy. What most consumers come to realize is that it is their unsecured debt alone is creating the financial hardship, and there are many alternatives to bankruptcy for consumers facing this situation.

Debt Reduction

If a debt reduction strategy is going to be successful it must permit you to move away from a dependency on debt. Life is full of unexpected events and a reasonable financial plan will always include funding for those rainy days. If the payments you are making consume all your disposable income, it is unlikely you will be able to survive without going further into debt at some point. For a debt reduction program to be successful, you must be able to make the program payments and begin saving immediately.

Debt Management

Debt management is the planning and execution of strategies aimed at keeping debt at a manageable level. Debt management begins with the formulation of a budget to determine what level of debt is comfortable for you and your family. If debt is found to be excessive, the counselor can help you determine which debt management strategy will best help you get back on track.

Consumer Credit Counseling Services (CCCS)

Consumer Credit Counseling Services (CCCS) are one provider of debt management programs for people committed to retiring their debt. Enrolling in a Consumer Credit Counseling program may provide you with reductions in your credit card interest rates, which can dramatically reduce the time frame to retire the debt. Consumer Credit Counseling is an excellent alternative for clients that can comfortably afford to make their minimum payments.

Debt Consolidation

A debt consolidation plan is implemented by obtaining a single loan large enough to pay off all your credit card balances. Typically this is accomplished by attaching an asset, such as your home, to the new loan. Pledging this asset reduces the risk to the bank so you will typically experience a reduction in your average interest rate, compared with the rates you are paying on the credit cards. Debt consolidation was widely popular during the housing bubble, but has fallen out of favor and many consumers have come to regret securing the debt with their most treasured asset.

Debt Negotiation

Debt negotiation (also known as debt settlement) is the fastest, most efficient way to rid yourself of your unsecured debt. In this program, you retain a firm to settle with your creditors for less than what you owe and pay them off in one shot. Short of bankruptcy, this is the only program that allows you to get out of debt for less than what you currently owe. If you feel like you are at the breaking point, a debt settlement program may be right for you.