Julian Credit Managment is a company that works for you - not for the creditors:

  • Cut monthly payments 25% - 50% with our Debt Consolidation Program
  • With that Debt Consolidation Plan you could slash interest rates to 0%
  • Debt Consolidation can drastically reduce your pay off time.
  • The Debt Consolidation Program can bring your accounts current
  • With a Debt Consolidation Plan you can preserve your credit
  • Debt Consolidation is a great solution for you and your family to get out of mounting debt once and for all.

Debt can happen to anybody: financial problems, from high credit card debt to a bad credit rating are not necessarily the result of poor money management.

Situations beyond your control, such as the sudden loss of a job, unexpected bills, medical emergencies, divorce or death of a spouse can lead to difficult financial situations.

Their dedicated counselors can help you restructure your bills and make a payment plan that can cut years and thousands of dollars off your long-term debts like credit cards, mortgages, and other loans. Their debt management program can help you repay your debts: They help you establish a spending plan, determine your financial options, save money on interest and late fees, get your creditors off your back, and provide you with useful information.

How do I know if I need credit counseling?

The fact is, if you are even considering credit counseling, then you will probably benefit from their services. But there are some sure signs that will guarantee you are making the right decision.

If you....

  • Only pay the minimum amount due on accounts.
  • Keep yourself up at night worrying about paying the bills.
  • Use cash advances from one credit card to pay off another.
  • Transfer balances from one card to another.
  • Have missed or are past due with your living expenses like rent and electric.
  • Are avoiding telephone calls and late notices from creditors.
  • Depend on overtime to pay the living expenses.
  • Skip one bill to pay another.
  • Have a feeling that things are getting out of hand.