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We Can Help You Eliminate Debt Without Filling For Bankruptcy

We have the most ethical, realistic and responsible way to reduce or eliminate your unsupportable debt.

We have saved businesses from bankruptcy all over the country, working with every major bank and creditor.

Ask yourself these questions:

  • Are you in negative cashflow due to debt paybacks?
  • Do you need to take another loan to stay current on your existing payments?
  • Are you facing financial hardship?
  • Can you use extra cashflow to catch up and get profitable again?

Do You Qualify For a Debt Consolidation Loan?

See if you qualify to combine all your monthly payments into one.

If you answered YES

to any of the 4 questions above debt management may be right for your small business.

Results, Debt Restructuring

See example of successful debt restructuring offered to our clients in need of immediate cash flow. Debt restructuring does not decrease your debt. Debt restructuring immediately frees cash and increases cashflow. This option is great for businesses that are facing problems in need of immediate help.


usually reduce the total amount
you owe

How Does Debt Settlement Work?

Usually only available for delinquent accounts with several months of missed payments.
Debtors need to show an inability to pay the original amount.
Certain debt savings from deb settlement are taxable.


A debtor negotiates with creditors to try and reduce the total amount owed.
Successful negotiations result in a lower payoff amount.
The new amount is documented in writing.
The debtor sends a monthly payment to an escrow account.
Once the account has enough money, the debtor usually pays it off in one lump sum.

Why do creditors agree to a lower
payoff amount?

There’s a lower chance they’ll get the money back the longer a debt in unpaid.

Creditors can cut their losses by offering a lower payment amount.

Settlement helps lower the risk of a debtor filing bankruptcy and having debt discharged.


Combines all of your debts into one
monthly payment

How Does Debt Consolidation Work?

Good for people with lots of different unsecured debt.
Combines multiple unsecured debts into one monthly payment.

Consolidation can involve a Debt
Management Plan (DMP)

The debtor consults with an experienced credit counselor.
The counselor gives actionable advice to control expenses.
The debtor, credit counselor, and creditors create an agreement for debt repayment.
The debtor pays are combined monthly payment to the counseling agency.
The agency allocates funds from the monthly payment to individual creditors
Credit accounts are closed, which can hurt credit scores.
A DMP appears on credit reports but does not hurt credit scores.

Or a Debt Consolidation Loan (DCL)

The debtor takes out a new loan.
The new credit account often has lower interest rates or payment amounts.
Funds from the DCL are used to pay off all existing unsecured debt.
A DCL allows a debtor to focus on one streamlined monthly payment with one creditor.

Consolidation loans aren’t taxable.

Proven Strategy

Combine all your monthly payments into one. Save interest and reduce total loan amount due to creditors.

Reduce Payments

With consolidation loans your payments will go down because you don’t pay interest. Lower payments equals more money for you!

Results Matter

If you feel your interest payments are to high or not affordable see if you qualify for a debt consolidation loan.

All Annual Percentage Rates (APRs) range from 3% to maximum 6% including all applicable fees such as the origination fee. Repayment periods range from 12-48 months. For example a $10,000 loan with a 6% APR in a 12 month term would have an estimated $883.33 monthly payment with a total payback of $10,600. This (APR) is compliant with the Truth in Lending Act (TILA). You may NOT qualify for this loan. By using our content, products & services you agree to our Privacy Policy. This loan is subject to review, you must fit all our standards upon review to qualify. This page is used for advertising purposes. Read About Us to learn more about Axis Consulting.

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