"Our credit & debt payment solution successfully assisted over 10,000 customers from 1994–1999... we also launched the first Online Payment Gateway in 1999."
Our mission is simple
To bring a product to market that addresses the financial stresses caused by missed payments — reducing unnecessary interest rate increases and preserving your viable credit options.
Cover Missed Payments
A credit line that steps in before a missed payment triggers interest increases or credit adjustments — protecting your financial standing before problems start.
Reduce Interest Rates
Banks adjust interest rates to manage risk. We work with your account manager to find consolidation and coverage options that reduce your interest burden.
Structured 6-Step Plan
Our proven 6-step financial stability program gives you a written plan, a priority scorecard, and the tools to track and achieve your financial goals.
Community Support
Access mentors who have faced the same financial pressures. Real advice from people who found solutions — and came out the other side.
Secure Since 1994
We built one of the first secure online payment gateways in 1999. Our security architecture has never had a customer data breach in over 30 years of operation.
Affiliate Program
Refer a customer and we waive your annual fee. Exceed your $29 annual fee in referrals and we increase your payment limits.
The 6-Step Financial Stability Program
A proven system developed over 30 years of helping customers achieve lasting financial stability and work-life balance.
Simple Income Expense Number
Establish your baseline — understand exactly where you stand financially before making any decisions.
Expense Reduction Rewards List
Identify what can be reduced and create a reward system that makes cutting expenses feel like winning.
High Interest Debt Reduction
Target the debt that costs the most first. Our account managers find the options that fit your situation.
Safety Net Plan Amount
Build the buffer that prevents a missed payment from becoming a crisis. Defined, achievable, yours.
Time Benefits Priority Score Card
Score your financial priorities by time and benefit. Know exactly what to focus on and when.
Work Life Financial Rewards & Goals
Tie your financial plan to the life you want. Real goals, real rewards, real momentum.
Ready to protect your financial future?
Register online now and an account manager will assess your situation and help you build a plan that works.
Register Online Now