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How It Works
If you are committed to getting out of debt, we offer an active plan to pay off your enrolled account balances in five years or less. We work with creditors to seek reduced or eliminated interest rates, so more of your money goes to paying off principal.
   

We feel your long term financial success can be enhanced by the educational materials we provide on this site. By following the links to the Moneysworth Financial Information and our collection of Financial Articles, you can obtain long range planning advice and tips for successful financial living.

Commonly Asked Questions

Get answers to the questions most commonly asked by consumers interested in the Free In Five program.

Get started today

Call 1-800-448-9080

  • Make one convenient monthly payment
  • Monthly automatic withdrawal option
  • No loan, no credit check
  • A plan to pay off enrolled debt in five years or less
  • Toll-free customer service
  • Access to reduced or eliminated interest rates as offered by creditors
  • Clear, upfront terms
  • References to Outside Agencies and Programs that may be of assistance

You begin by enrolling all the credit cards and other unsecured debts you want to pay off. We work with creditors to obtain reduced or eliminated interest rates, late fees, and penalties. We then use a formula to distribute your payments to your creditors, thereby maximizing the power of your money. Our consumer credit counseling and debt management experience provides individuals and families with a relief game plan to make the idea of living free of debt not only a goal, but a reality.

Free In Five believes in being honest and upfront with our customers. There are no hidden fees, no secret charges.

The terms of the plan are:

  • Low monthly credit counseling and services fee
  • One-time start-up fee
  • Enrolled debts are paid off in five years or less

The credit counseling and service fee is generally just a fraction of what we save you and helps defray our administration costs for the services and many other benefits we provide.

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