Our Services
Credit Management
Our credit management program uses a negotiated approach where creditors may be willing to accept the principal balance with a 0% interest rate. We combine this with a structured program so you make one manageable payment while we work to resolve your enrolled accounts.
Who Credit Management Is For
These programs are typically suited to people with significant unsecured debt—such as credit cards, medical bills, or personal loans—who are struggling to keep up with minimum payments. Credit management works best when you can commit to a monthly program payment and are prepared for a 24–48 month timeline. We evaluate your situation to recommend whether a structured program or another option fits your needs.
Credit management can impact your credit during the program, and results vary by creditor and individual circumstances. Our advisors explain the tradeoffs and help you choose a path that aligns with your goals.
The Process
How It Works
Through our credit management program, creditors may be willing to accept your principal balance at a 0% interest rate. With GS Holding, that balance is spread over an agreed term — with one manageable monthly payment.
- 01
Free Consultation
We review your debt profile together and map out a clear path to resolution — no obligation, no pressure.
- 02
Creditor Negotiation
We leverage our established creditor relationships to negotiate your principal balance at 0% interest.
- 03
Structured Repayment
Your balance is consolidated into one predictable monthly payment spread over an agreed 24–48 month term.
- 04
Debt-Free
With interest eliminated, every payment chips away at principal. You finish the program free and clear.
0%
Interest Rate
On your principal balance — more of every payment goes toward what you actually owe.
24–48
Months
Typical program length, based on your total balance and consistent payment ability.
Our Goal
Save you the most money, in the least time.
Our goal is simple: resolve your debt in the shortest amount of time while saving you as much as possible.
$1B+
in debt resolved for our customers
We could help you