Horizon Debt Group is a cutting edge consumer finance firm which utilizes credit, debt, bankruptcy, and student loan industry specialists to provide the best possible outcome for each client’s individual scenario. Our wide ranging accomplishments in the different sectors of consumer finance mean that we know how to get positive, game changing results; no matter how serious your debt situation is.
Having monitored consumer financial trends for years, we can see that while credit card debt is being paid down, it is still a problem for many; and student loans are becoming more and more visible as a major issue that needs addressed in the U.S. Credit card debt has dropped by $400 billion since 2008, down from a high of $1.2 trillion. At the same time, student loan debt has risen to surpass the total amount of credit card debt. The biggest problem we have noticed with student loans is that people do not know what options are available to them. This is because of the government not fully getting the message out about the 3 most helpful programs; as well as the lending companies who service the loans not being informative about the programs because they profit as middlemen. Programs such as federal debt consolidation cut the private lenders out of the equation, so they often tell students that they can’t consolidate their loans. This is partly true because the loans aren’t consolidated by the individual lenders, but rather the Department of Education. However, we have found that lenders are not very forthcoming about the payment programs that would make them less money. Our team knows how to navigate these necessary bureaucratic processes after the course of strategy is decided for a student loan scenario. Student loans can reach very high amounts, but there is no need to worry because there are proven solutions and established programs that can help. Our firm is uniquely qualified and certified to facilitate the consolidation of your student loans through the Department of Education, and to successfully apply for and obtain income based repayment programs for graduates that can drop monthly payments by 2/3 compared to a standard repayment plan. Unpaid student loans and credit cards can have dire consequences, which is why it’s important to work with an industry leading firm that can address the day to day financial issues of debt, as well as put in place long term strategies. Our legal partners ensure that if your present scenario involves legal cases, we can get you the help you need by referring you to an attorney in your state. One thing that’s important to remember about debt problems is that each situation is a unique combination of personal situations, bank and credit card company practices, the effect of compound interest, as well as personal, financial, and medical hardships. Other variables can be involved too. This is why our company of certified professionals uses the combined experience of years in the credit counseling, debt servicing, and student loan relief industries to investigate each client’s debt fully. After the investigation, we apply time-tested techniques while creating new strategies in dealing with the full spectrum of an individual’s combined debts. Our experienced team members hold high ranking certifications through industry recognized accrediting organizations, such as the International Association of Professional Debt Arbitrators and the National Association of Certified Credit Counselors. Our years of experience and the lessons we have learned along the way contribute to our consistent results. Our job isn’t finished when you get out of debt. There are many services we can provide to help you on your way to your financial goals after paying down debt, such as applying for and obtaining new credit, rebuilding your personal credit score and removing errors from a credit report, budgeting to make sure every dollar is accounted for, and helping you make the right financial decisions in the future. We look forward to working with you and walking with you on your journey out of debt.
