I'm not currently past due. Can I still benefit from your program?

This depends on your particular circumstances. For example, while a debtor may be currently meeting their monthly debt obligation, it may be a continual struggle to do so. In fact, such an individual is often robbing Peter to pay Paul. This individual may come to realize, however, that the battle is about to be lost, because Peter has run out o f money. If not in this predicament, there may simply not be sufficent income to meet the clients financial obligations. Once payments are missed, with late charges, over-limit fees, accrued interest charges and the increased minimum payments needed to bring past due accounts current, it may become extremely difficult to get back on track. Unless immediate action is taken to resolve this hardship, it is likely that the client’s financial condition will continue to worsen.