Consumer debt has become the American household's single greatest burden. Few American homes can claim to be debt-free. The service of this debt consumes vast resources that could be spent on education, business ventures, building a nest egg or an improved quality of life.

Yet of all the challenges a family faces, credit card debt may be the most easily overcome. Knowledge and a well-crafted plan can break the grip of crushing debt. The trouble is, there's never been an economic incentive to provide consumers with that knowledge and that plan. The profit has gone to those who sustain or increase the debt or those who intervene between consumer and creditor and profit at the expense of the consumer's credit score.

Until now. The Debt Navigator Plan is unique - a road map leading you along the shortest route to debt freedom. You pay for it once, and it repays you many times its cost - with no surprises, no hidden costs and no negative consequences. Unlike 'non-profit' organizations that actually make millions through debt consolidation at the expense of your credit, Debt Navigator provides the precise plan that best serves your interests and it makes your plan as easy to follow as theirs.

Your Debt Navigator Plan is prepared by consumer finance experts who study the laws governing lenders and the policies of the lending companies. We read (and understand!) the fine print on the back of every credit card bill and we factor that knowledge into your debt management plan.

We are The PATY Group, Inc. and our mission is to help over-stressed Americans manage the pivotal issues of their lives by providing relevant education and customized action plans.

We know there are many ways to make a living in the credit industry. We believe there is none more satisfying than helping Americans free themselves from the bonds of consumer debt.