Consolidated Client Services are the exclusive representatives of American Debt Management Services (ADMS) in the U.S. military and U.S. Expats market, outside the USA.  The staff and counselors at Consolidated Client Services have over 50 years experience with the U.S. military and Expats.  We have offices located in Germany, Italy, and England.   Our services are unique in the fact that you do not need to own a home or have good credit to qualify, all you need to have is unsecured debt and the desire to lower your interest rates to as low as 7%.  Consolidated Client Services can counsel you either by phone, e-mail, fax, or by personal appointment.  Consolidated Client Services utilizes a state-of-the-art processing center that provides debt counseling to millions of people each year.   Below you will find information about ADMS.

Debt consolidation by ADMS Debt consolidation by American Debt Management Services, Inc. utilizes state-of-the-art technology to insure consumers prompt, accurate and totally confidential services. On average, our  debt consolidation clients are able to eliminate their unsecured debts within 3-5 years, as opposed to 20-25 years making the same creditor payments each month on their own. Our debt consolidation services are provided regardless of race, gender, religious belief, or handicap. American Debt Management Services, Inc. debt consolidation is supported mainly by voluntary donations, contributions and community grants.   Other Facts about debt consolidation and American Debt Management   Services, Inc. Founded with the goal of helping consumers become debt free, American Debt Management Services, Inc. had a growth rate of over 260% in 1998. American Debt Management Services, Inc. is one of the world’s largest credit counseling agencies. ADMS debt consolidation services has received a non profit status from the Internal Revenue Service under section 501 (c)(3) of the US tax code. ADMS debt consolidation is licensed under Article 12-C of the New York State Banking Department, one of only twelve companies to receive this license. ADMS debt consolidation presently holds a Fidelity and Dishonesty Bond for $250,000 and a Fiduciary Bond for $250,000 for added protection of our clients accounts which are held within our Security and Deposit account in Citibank. ADMS debt consolidation is headquartered in Farmingdale, NY. ADMS debt consolidation is supported by voluntary contributions from creditors, community organizations and private individuals.   Debt Consolidation Program Benefits: The reduction or elimination of interest charges The reduction of monthly payments by as much as 50% Stopping collection calls forever Elimination of late fees and over the limit fees Re-aging of past due accounts to a current status Re-building of credit rating Consolidate clients bills into one easy and affordable monthly payment Managing clients debt to ensure earliest possible payoff Introducing consistency and discipline to the repayment plan using ADMS’ exclusive KwiK Pay™ system plus the military government allotment system. Restoring the clients peace of mind through goal orientated financial management   Types of debts eligible for the debt consolidation program ADMS debt consolidation will work with any unsecured debt. An unsecured debt is any debt that does not have any property or collateral attached to the debt. A secured debt cannot be added to the program because the creditors have the right to repossess the collateral or property the client used as security if the client stops or reduces payments. These are some examples of unsecured debt: Credit Cards Magazine/Record clubs Department Store Cards Tax Debt Medical Bills Legal bills Personal loans Health club memberships Signature loans Repossessed vehicles Student loans Collection Agencies Bills from a previous residence (old utility bills/cable bill)   Debt consolidation program enrollment To become enrolled in our debt consolidation program all the individual needs to do is to contact their local American Debt Management Services office by telephone, Internet, Fax/mail or in person. Our certified Debt consolidation counselors can begin the enrollment process immediately over the telephone, and if the client has their creditor information available, the client can be enrolled on the debt consolidation program the same day they call! Clients can instead input their personal and creditor information into our easy to use Internet application page. The Worlds only Credit Counseling Web Browser software will give the client not only the program payment amount, but the yearly savings, the time of repayment, and even have your personalized paperwork print out right on your home computer! If you wish debt consolidation counselors’ assistance, they are standing by to help.  Click here to find the office nearest to you.   Ongoing debt consolidation client support Once the client enters the debt consolidation program they will continue to receive additional services and support from our Account Specialist Team. American Debt Management Services, Inc. trained staff will assist the member with any questions and keep them up to date on all of their account information. Through this debt consolidation division we continue to contact and assist the members who are having a difficult time meeting their monthly payments. We work with these members and encourage budgeting and financial planning for their future, and assist them in debt consolidation and maintaining a current status on the debt consolidation program.   Typical Client American Debt Management Services, Inc. is presently servicing clients across the United States and Europe in their debt consolidations. These clients carry an average of $20,500 in debt. By using our debt consolidation program the typical client on our program would save 11 years and 9 months in pay back time and save an incredible $23,267 in interest. Additionally the monthly payment would actually drop by over $300. Consolidated Client Services is ready to offer you a FREE consultation on debt consolidation, to show you how our program can benefit you! Whether you are current or past due, find out how much our debt consolidation program can save you, and how many years of payments you can invest in yourself and your family instead of sending to a creditor. You owe it to yourself to find out! It costs nothing, and could save you thousands!   Financial Educational Services American Debt Management Services, Inc. provides educational services though a wide range of mediums and informs members on topics like budgeting, financial planning, the proper use of credit and avoiding bankruptcy. It is our belief that through proper education and the ease of access to material, we can improve the economy and living standards of thousands of individuals. The educational services we currently provide and will provide in the future include; Seminars Individual Internet Databases Colleges Short term planning Teleconferencing Classes Long term planning Universities Debt Management Businesses Budget analysis Trade Councils Savings Methods   Free Brochures Credit reports Consumer Rights Budgeting Mortgages Military benefits   A Leader Among Other Counseling Organizations Compared to other Counseling Organizations, ADMS provides superior and in some cases, services totally unique to the Debt Management industry. These are some of the most striking examples; Clients are not required to be, or made to become past due on their accounts to receive benefits. ADMS debt consolidation program payments are calculated for each individual creditor, unlike other organizations that use 3% of the total balance, providing our client with a more affordable monthly payment. ADMS never suggests a client file bankruptcy. Debt consolidation counseling sessions are provided immediately, as opposed to a 3 to 4 week waiting period with other agencies. ADMS also gives the client a choice of in person, telephone and Internet sessions. ADMS debt consolidation has Certified Credit Counselors on location in the United States and Europe. ADMS debt consolidation is in the process of compiling the worlds’ largest library of reference and educational material on the Internet. ADMS debt consolidation has separate Client service departments who specialize in client satisfaction, compared to other organizations that provide no specialization of departments. In the near future, clients will also be able to contact their personalized CS representative through the Internet. Within the next year, clients will be able to access their account information on our Web Browser.   The Future of ADMS debt consolidation ADMS debt consolidation will be expanding its services in the near future through the use of cutting edge technology. This will enable us to provide educational and counseling services that will be available for the consumer’s lifetime, not only during their time of need. ADMS debt consolidation will be the only counseling organization with it’s own Web Browser. This will enable clients to keep an electronic log of their goals, budget, and finances. The Internet access will insure that all clients can have the ability to update and modify their personal information wherever they live, and at any time. These debt consolidation services will be constantly improving to allow a "virtual" education and support environment. Working in conjunction with businesses and electronic specialty schools, we are in the process of developing teleconferencing training and services to whoever needs them. Individuals will take classes and attend seminars through a "virtual", real-time, interactive classroom, where literally thousands of consumers can attend training, at all different cities across the world simultaneously.   Some Corporations, Treatment facilities and Academic Institutions that utilize   our services. U.S. Airforce U.S. Army U.S. Navy New York Council on Problem Gambling State of New York Office of Mental Retardation & Developmental Disabilities Nassau County PBA B.O.C.E.S. Nassau County Correctional Center St. Vincent’s Treatment Center (St. Vincent’s Hospital) Smith-Haven Mortgage Corp. Nassau County Medical Center EAB Bank EAPA (Employee Assistance Program Association)   Affiliations American Debt Management Services, Inc. is a member of the following professional associations: Association for Financial Counseling and Planning Education Chamber of Commerce Web Assurance Bureau American Bankruptcy Institute   Media Presentations Television Madison Square Garden Channel "MSG Metro Money" Regular Appearances CableVision, Channel 12 Radio Country 94.3WMJC Oldies 103B103.1 Country 103WRCN World Wide Web www.militarydebt.com Newspapers New York Newsday You owe it to yourself to find out! It costs nothing, and could save you thousands! Call us right now!         Or click here to fill out a free debt consolidation application now!