Do you have difficulty paying your bills on time?
Are you having trouble keeping up with multiple payment dates?
Are you using cash advances or borrowing money to repay another debt?
Do you regularly get calls from bill collectors?
Can you only pay the minimum amount on several credit cards?
Are outstanding debts keeping you from meeting some of your goals, like
buying a house or car or saving for your retirement?
Click Here to get a free personal debt consultation.
What will Debt Management do for me?
A debt management program is designed to help you get out of debt more
quickly than you could on your own. Sometimes referred to as debt consolidation
or credit counseling, debt management programs are typically administered
by non-profit organizations called credit counseling agencies (CCAs).
CCAs help you become debt-free by:
Negotiating reduced interest rates, so more of your monthly payment
goes toward reducing your debt
Consolidating your credit and other types of debt, so you don't have
to worry about making more than one payment every month
Eliminating late fees
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Re-aging" your account, so your payments aren't considered delinquent
Helping stop calls from collectors
Providing you with the tools so you can improve your credit history.
A debt management program is not a loan, and it does not have the same
long-term negative effects as bankruptcy does on your credit report.
