FCA combines your credit cards, medical bills, and personal loans into a single monthly payment — often lower than what you're paying today, with one due date instead of five.
Different due dates. Different interest rates. Different customer service lines. It's not that you're bad with money — it's that nobody designed this to be manageable.
Nothing happens until you've seen your actual numbers. No obligation at any step.
A five-minute rundown of your balances and rates. Checking your options doesn't affect your credit score.
A licensed specialist matches you to a consolidation option built around your actual budget — not a template.
We handle the scheduling across your old accounts. You watch one line replace five.
Move the sliders to match your situation. This is a ballpark, not an offer.
No. The initial review uses a soft check, which doesn't affect your credit score. A hard check only happens if you decide to move forward with a specific offer.
FCA is a consolidation matching service. Depending on your situation, that could mean a personal loan, a balance transfer, or a debt management plan — your specialist will explain which fits and why.
Most credit cards, medical bills, personal loans, and store cards qualify. Secured debt like mortgages or auto loans typically isn't included.
The initial consultation and estimate are free. Any fees tied to a specific consolidation option are disclosed up front before you agree to anything.
Most clients complete their first call the same week they reach out, and see a proposed plan within a few business days after that.
Tell us the basics. A licensed specialist will call within one business day with a real number, not a guess.