Creditors We Can Negotiate with On Your Behalf

Understanding how we negotiate with unsecured creditors on your behalf.

When you enroll in a debt management program, you still owe your original creditors. Consolidated Credit’s program is not a loan that replaces your existing debts with a new one. We’re here to act as your advocate and negotiate with your creditors on your behalf. We essentially serve as a go-between to set up a repayment schedule and negotiate to reduce or eliminate interest charges and stop penalties applied to your debt.

As one of the nation’s largest nonprofit credit counseling agencies, Consolidated Credit works with all major creditors and top retailers nationwide. If you currently hold a balance with any of these creditors, we should be able to help you.

Bank of America logo
American Express logo
Chase logo
Citi logo
Discover logo
Capital One logo
Wells Fargo logo
USAA logo
Synchrony logo
US Bank logo
Comenity logo
One Main logo
Navy Federal logo
Credit One logo
First Premier logo
Kohls logo
Merrick Bank logo
Fingerhut logo
AAFES logo
Nordstrom logo
 
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TCT FEDERAL CREDIT UNION TD BANK TD BANK RETAIL TD BANK RETAIL CARD CENTER TD BANK RETAIL CARD CENTER- FRED MEYERS JEWELERS TD BANK, N.A. TD BANK, N.A. TD CARD SERVICES TD RETAIL TD RETAIL CARD SERVICES TD RETAIL-ASHLEY FURNITURE TD RETAIL-PERFORMANCE WATER TEACHER FEDERAL CREDIT UNION TEACHERS CREDIT UNION TEACHERS FCU TEACHERS FEDERAL CREDIT UNION TEAM ONE CREDIT UNION TELCO CREDIT UNION TEXACO-CITIBANK-CHARGED-OFF (FL33) TEXAS DOW EMPLOYEES CREDIT UNION THE CHILDRENS PLACE (9583)- CHARGE OFF THE FARMERS BANK THE GOLDEN 1 CREDIT UNION THE HUB CO. CU THE SWISS COLONY THINK MUTUAL BANK THREE RIVERS HOSPITAL THROUGH THE COUNTRY DOOR TIB BANK TIDEWATER CREDIT SERVICES TIRE PLUS TJMAX MASTERCARD/ SYNCHRONY – CTA E TJMAXX CC/ SYNCHRONY BANK TJMAXX CC/ SYNCHRONY- CTA D TJMAXX CC/SYNCHRONY- CTA E TJMAXX MASTERCARD/SYNCHRONY TJMAXX MASTERCARD/SYNCHRONY – CTA D TMG FINANCIAL SERVICES TNB CARD SERVICES – MC TOTAL CARD INC TOTAL LOAN COMPANY (PDL) TOWER FEDERAL CREDIT UNION TOWN & COUNTRY FCU TOWNECRAFT FINANCE & CREDIT SOLUTION.. TOYS R US MASTERCARD & VISA CCCS/SYNCHRONY TOYS R US MASTERCARD & VISA/SYNCHRONY CTA D TOYS R US MASTERCARD/ SYNCHRONY BANK CTA E TOYS R US PLCC / SYNCHRONY BANK CTA E TOYS R US PLCC/ SYNCHRONY TOYS R US PLCC/SYNCHRONY BANK – CTA D TRACTOR SUPPLY COMPANY (32109)/CHARGED OFF TRACTOR SUPPLY COMPANY-CITIBANK (FL33) TRAVERSE BAY AREA CREDIT UNION TRAVIS CREDIT UNION TRAVIS CREDIT UNION TRAVIS FCU TRIANGLE CREDIT UNION TRIANGLE FEDERAL CREDIT UNION TRIBUTE TRI-COUNTY CREDIT UNION TRUE SKY CREDIT UNION TRUITY CREDIT UNION TRULIANT FEDERAL CREDIT UNION TRUMARK FINANCIAL TRUSTONE FINANCIAL TURNER ACCEPTANCE CORP. TWIN STAR CREDIT UNION U.W. CREDIT UNION UBS BANK UMB UME FEDERAL CREDIT UNION UNCLE WARBUCKS (PDL) UNIFUND, INC. UNION BANK CREDIT SERVICES UNION BANK NA UNION SQUARE FEDERAL CREDIT UNITED CONSUMER FINANCIAL UNITED CONSUMER FINANCIAL SVCS UNITED FEDERAL CREDIT UNION UNITED FINANCIAL CREDIT UNION UNITED HERITAGE CREDIT UNION UNITED MO. BANK UNITED MO. BANK/ CARD CENTER UNITED POLICE FEDERAL CREDIT UNION UNITUS COMMUNITY CREDIT UNION UNIVERSAL AMEX/SYNCHRONY UNIVERSAL CREDIT SERVICES UNIVERSITY CREDIT UNION UNIVERSITY CU UNIVERSITY FEDERAL CREDIT UNION UNIVERSITY OF MICHIGAN CREDIT UNION UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION UNIVERSITY OF WISCONSIN CRDIT UNION UPSTART OPERATIONS DEPARTMENT US BANK US BANK/AMEX US BANK/ELAN FINANCIAL MASTERCARD-CTA D (734929) US BANK/ELAN FINANCIAL/BUSINESS CARD (4002) US BANK/ELAN FINANCIAL/BUSINESS CARD-CTA D (4002) US EAGLE FEDERAL CREDIT UNION US EMPLOYEE FCC USAA AMERICAN EXPRESS USAA FEDERAL SAVINGS USAA FEDERAL SAVINGS BANK USAA FEDERAL SAVINGS BANK USE CREDIT UNION USF FEDERAL CREDIT UNION UTAH COMMUNITY CREDIT UNION VALENTINE & KEBARTAS, INC VALERO GAS CARD VALLEY FEDERAL CREDIT UNION VALLEY NATIONAL BANK.. VAN RU CREDIT CORP. VANTAGE CREDIT UNION VANTAGE WEST CREDIT UNION VANTAGE WEST CU VELOCITY INVESTMENT LLC VENTURA CREDIT UNION VENTURA COUNTY CREDIT UNION VERIDIAN CREDIT UNION VERIDIAN CREDIT UNION PLATINO VISA VERITY CREDIT UNION VERMONT FEDERAL CREDIT UNION VERMONT STATE EMPLOYEE CREDIT VERVE A CREDIT UNION VERVE MASTERCARD VERVE/MID AMERICA BANK & TRUST VIRGINIA CREDIT & FINANCE VIRGINIA CREDIT UNION VISION FEDERAL CREDIT UNION VISIONS FEDERAL CREDIT UNION/CREDIT CARD VON MAUR VYSTAR CREDIT UNION WALMART DUAL CARD/ SYNCHRONY (55817)CTA E WALMART DUAL CARD/ SYNCHRONY BANK WALMART DUAL CARD/SYNCHRONY (55817) WALMART/ SYNCHRONY BANK WALMART/ SYNCHRONY BANK – CTA E (21176) WALMART/SYNCHRONY CTA D (21776) WALMART/SYNCHRONY/CHARGE OFF WALMART/SYNCHRONY/CHARGE-OFF WALTER DRAKE PREFERRED CREDIT WARREN FEDERAL CREDIT UNION WATERBURY TEACHERS FEDERAL CREDIT UNION WATERBURY TEACHERS FEDERAL CU WE FLORIDA FINANCIAL WE FLORIDA FINANCIAL CU WE FLORIDA FINANCIAL/CITY COUNTY CREDIT UNION WEBSTER BANK WELL STAR HEALTH SYSTEM WELLESLEY CREDIT UNION WELLS FARGO WELLS FARGO WELLS FARGO – CHARGE OFF ACCTS WELLS FARGO BANK WELLS FARGO BANK 748 WELLS FARGO BANK CTA E (22732) WELLS FARGO BANK CTAD (22732) WELLS FARGO CARD SERVICES WELLS FARGO FIN. NAT’L BK. WELLS FARGO FIN. NAT’L BK. (54208) WELTMAN, WEINBERG & ASSOCIATES WESCOM CREDIT UNION WESCOM CU WEST COMM CREDIT UNION WESTCONSIN CREDIT UNION WESTER CONNECTICUT FCU WESTERN ALLIANCE WESTERN AUTO WESTERN FEDERAL CREDIT UNION WESTERRA CREDIT UNION WESTVIEW FINANCIAL SERVICES WHATCOM EDUCATIONAL CREDIT UNION WHITE EAGLE CU WHITE PINE LENDING (PDL) WILLIAM C GROSSMAN WINGS FINANCIAL WINGS FINANCIAL FCU WLCC LENDING D/B/A LINCOLN FUNDING (PDL) WLCC LENDING GEG D/B/A GAN EDEN GROUP (PDL) WLCC LENDING MFT D/B/A RAIN OF CASH WLCC LENDING MFT D/B/A MERIT FINANCIAL PDL WLCC LENDING MFT/ D/B/A OCEAN PK FUNDINGL WRIGHT PATT CREDIT UNION WRIGHT PATT CU WRIGHT PRATT CREDIT UNION WSECU WSSC FCU WVU EMPLOYEE CREDIT UNION WYHY FEDERAL CREDIT UNION YARD CARD -TD BANK ZEAL CREDIT UNION ZINGO CASH (PDL) ZIONS BANCORPORATION ZOCA LOANS DMP DEPT. (PDL) ZULILY/SYNCHRONY BANK ZULILY/SYNCHRONY BANK CTA E ZWICKER & ASSOCIATES ZWICKER & ASSOCIATES, P.C
 

How Much Could You Save?

Just tell us how much you owe, in total, and we’ll estimate your new consolidated monthly payment.

Debt Amount

What if I don’t see my creditor listed?

There may be smaller retailers or credit issuers that you don’t see listed above – it would be impossible to list everyone we’ve negotiated with in 25 years! But just because you don’t see a specific creditor list, it doesn’t mean you can’t include that debt in your debt management program. We will call any creditor that holds a credit card debt you wish to include and negotiate to get them to accept payments through your debt management program.

In addition, we can negotiate with other unsecured creditors if you have another type of unsecured debt that you wish to include your program. This can include debt collection agencies, medical collection agencies, and even some payday lenders. So, even if you don’t see a particular company’s name listed above, don’t lose heart. Chances are good that we’ll be able to negotiate successfully on your behalf.

How does negotiating with creditors work?

When you go through your initial credit counseling session, the credit counselor helps determine if you are eligible for a debt management program. If you are, they work with you to find a monthly payment you can afford on your budget. Then the next step is to get your creditors to agree to the new repayment plan.

This means we contact each of your creditors to let them know you’re working with us and want to enroll in a debt management program. The credit counseling team negotiates to:

  1. Get creditors to agree to accept payments on your debt management program.
  2. Reduce or eliminate interest charges applied to your debt.
  3. Stop all penalties and new penalty fees.

In addition, if you ever run into any trouble while you’re making payments on the program, the credit counseling team will contact your creditors to make sure you can remain in the program. It’s our job to make sure you can keep up with your program and that your creditors remain on board until you are debt-free.

What happens with my creditors if I leave the program?

A debt management program is 100% voluntary. You can leave the program at any time. The money that you paid through the program will still count towards reducing your debt. In other words, you won’t see your balances increase because you decide to leave.

However, be aware that most creditors will restore your original interest rates and penalties they’d applied before you enrolled. You will need to go back to making individual monthly payments to each creditor. But you won’t be back to square one. Everything you eliminated during your enrollment will still count.