SFG will discuss your current financial situation with you including income, expenses, debt and your current budget. Your information will be kept strictly confidential. SFG will help you develop a workable budget customized to fit your needs and situation. We will discuss possible solutions to your current debt management issues. You will learn about different types of debt and the best way for you to pay down your debts.

It is a Debt Management Program which allows you to significantly lower or eliminate your interest rates. Lower interest rates mean more of your monthly payment going towards your principal balance instead of finance charges. This means that you will be out of debt faster. SFG can be an alternative to bankruptcy. By enrolling in the SFG Debt Program you will learn how to end harassing phone calls from creditors and collection agencies, usually within the first 30 days. In addition, you will also receive ongoing education and support as you move along.

No. SFG does not offer loans; it is a debt management program, which helps you repay your debt faster, which is much better than a loan. Because it is not a loan, you are not adding to your debt. Instead, you are paying off your debt, but much more quickly than you otherwise could.

While many companies provide debt consolidation, SFG does not work with the creditors. We work for you and with you. The creditors never find out that you are working with us, thus the creditors cannot report that you are going through a program.

Other companies collect your money and pay your bills for you, all the while not teaching you anything. When they do this, they tend to collect money each month taking out their fees first, and when the monthly amount adds up to what the monthly payments are they send out the payments. In the long run you are getting hit with late payments and spending more than you should have to. Many of the other companies are directly funded by the creditors themselves. Charging you a monthly fee, professing to work for you, while at the same time receiving funding from the ones you are in debt too.

SFG provides you with any education about debt management and how to avoid future debt.

Any Consumer who is having difficulty paying their bills on time, juggling bills, struggling to make the minimum payments due, charging routine living expenses on credit cards, or seeking to get relief from their financial burdens can be considered for our Program.

You do not have to be a Home-owner. You do not have to be delinquent with your payments.

Only by enrolling in the SGF Credit Repair Program. No one can remove your previous credit history. However, by removing inaccurate information can be improve your credit.

SFG does not report to any credit agencies. As long as you make your monthly payments on time, your payments to your creditors your credit score will improve over time.

Unsecured debt is a debt that has no property or collateral. Examples include credit card debt, department store debt, medical bills, and personal loans.

Secured debt is money owed that does have collateral which protects the lender in case of default. Examples of secured debt include mortgages and car loans.

Once you are enrolled in the program we will supply you with the tools to make them stop calling you. Also, with the program you will be making your payments on time, this will stop them from making harassing calls.

When you declare bankruptcy, whether it is a Chapter 7 or 13, your debts are either wiped out or re-organized. The bankruptcy will be placed on your credit report for 7 to 10 years, adversely affecting your scores for the next 5 years. With the Program, you pay your debts and your debtors are satisfied.

At SFG, our mission is to provide education and consulting in order to assist all clients to become debt-free while maintaining their lifestyle. We provide consulting and education to all, consulting is done by ongoing in-person meetings when possible, and/or ongoing telephone conversations, seminars, budget planning, written educational packets, website information, and newsletters.

Debt Consolidation is when you combine all your debts into one monthly payment. Debt Management is where you manage each debt on an idividual basis better controling your overall debt.