We begin with the details of your situation and build a computer model of your consumer debt obligations - interest rates, current payments, promotional rates and policies, penalties and payout patterns. Our finance specialists monitor polices and procedures of consumer lenders. Our data experts integrate all of this information into your personal Debt Navigator Plan - the best course for you to follow.

You will receive a book setting forth the factors that shaped your plan and a month-by-month payment schedule for each of your credit obligations until you are free of debt. Easy-to-understand graphs show the long-term implications of the Debt Navigator payment strategy. A plain-talk narrative helps you understand the reasons behind that strategy.

If you have several cards, each with a changing minimum payment, different rate and some with short-term "promotional rates", it can be tough to decide how much to pay - unless you simply pay the required amounts each month. That's what most people do. But the results of simply "paying what they ask" can mean decades of debt and thousands in interest. But your Debt Navigator Plan makes it easy to do the smart thing. Instead of looking to the bill to write the check, you look to your own plan, designed specifically to get you out of debt faster and reduce your interest costs. Sticking to the plan takes a little discipline, but Debt Navigator makes the process simple - and the dramatic, vivid and certain results keep your motivation high.

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