Our Service

Vyco Direct is a provider of debt management service. Our debt management program comprises of two main steps. First, we negotiate reduced interest rates on your behalf to cut monthly costs on your unsecured credit accounts. Second, once we've helped to slice your interest rates, we develop a financial plan on how to simplify your payments and manage your finances. Competition these days is fierce and creditors are willing to cut rates for many of their customers. Over time, you will consciously begin making better decisions about your finances, which will improve your life. Our goal, at the end of the day, is to empower, educate, and generally assist our clients into becoming debt free.

We are your Debt Management Advocates

Interest Rate Reduction Service

Did you know that credit card reduction services alone could prevent a financial crisis? "Many experts say that the removal of any economic crisis is possibly by an effective credit card reduction service whose ultimate goal is to make one debt free within a couple of years." In fact, if you are facing financial hardship, having the right debt management service as your advocate can facilitate you getting out of that situation without having to consolidate your debt or file for bankruptcy. If you need a reputable and experienced company to help you become debt free, we are your debt management advocates.

Account Management

Knowing how and when to make payments to reduce your monthly costs is imperative if you are facing financial hardship. We believe that knowledge is the key to a healthy financial future. As part of our service, we consult on how to manage your finances, and on your behalf, negotiate better terms with your creditors. Maintaining a good standing and FICO score is going to require an effective plan and the necessary discipline to stick with it because it will almost never happen over night. Many factors will determine the time frame it takes each individual to get out of debt. However, we will provide you with a plan on how to maintain after you have caught up.

We Are Not A Debt Consolidation Service

Debt consolidation loans increase your debt load, which makes it harder to manage your finances. As a result, you end up paying more over the long run and it usually takes a lot longer than it would if you had paid each debt back individually. Our goal is to work out better terms with your existing creditors because in most cases they would rather make the necessary adjustments than loose your business to a competitor or to bankruptcy. And because we work in volume, we are able to leverage our relationships with these creditors to get the results you need.

Debt Consolidation versus Debt Reduction

We are not advocates for debt consolidation. The best method for quickly paying off your debt is a debt reduction plan. We uniquely tailor an affordable solution that will eliminate debt faster to improve your overall financial situation. Our debt reduction plan will outline how to pay off all your debts, what order to pay them off and how much to pay each month. It also shows when your debts will be completely paid off and you become debt free!