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Do I qualify for a Debt Management Plan?
Living paycheck to paycheck is no fun, especially when you have credit card bills and other debts to pay. When you are having trouble managing your credit, it may be time for a REALITY CHECK. Before you choose credit counseling, there are several factors to consider.

FREE COUNSELING AND DEBT ANALYSIS FORM
Enter your information for a FREE
Debt Analysis.
Name
Email
Phone
State
Unsecured Debt
Time to Speak  
Your privacy is 100% protected. We take your
privacy very seriously.

What happens after signup?

 

Debt without any collateral that can be taken back if you don?t pay.

Examples: credit cards, dept. store cards, personal loans, cell phone bills, legal bills, medical bills, credit lines, health club memberships.

No mortgages, auto loans, etc.
Step 1: A debt consultant will contact you over the phone for a free counseling session. He'll review your financial situation and suggest the right solution to your debt problems.

Step 2: With your approval, the consultant will start contacting your creditors for a negotiation. The purpose here is to reduce your outstanding debt amount or lower interest rates and eliminate late fees/penalty charges. The consultant will also help you to avoid harassing calls from creditors and collection agencies.

Step 3: The consultant will provide you with budgeting tips so as to help you manage your money better. He'll also guide you on how to rebuild your credit and raise your credit score.

debt settlement

Add up all your monthly income and add up all your monthly expenses to see if there is enough money at the end of the month. If not, you have two choices:
    1. Increase income, or
    2. Reduce expenses.

Reduce Expense Option:

When you do the math and find out there is not enough money at the end of the month to pay your living expenses (food, rent, medical, etc.), and barely enough money to pay your debts it may be time to enroll in a Debt Management Plan. 


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Debt Management Plan
A Debt Management Plan is usually the last option before filing bankruptcy and is intended for consumers that can no longer make the minimum payments on their unsecured debts, but can afford something less and want to avoid bankruptcy. Usually the consumer has defaulted (not made payments) in their debts.

Debt Management Plans allow you to pay what you can afford each month and nothing more. Debt Management Plans are usually proposed by creditors after you have defaulted on your debts. As an example: let’s say you have not paid your credit card in three months, the credit card companies may offer to settle your account for 50% less if you pay the balance off in two, six, or twelve installments.

In most all cases, unsecured debts will be accepted. Unsecured debts are debts that are not secured by an asset. The most common types of unsecured debts are credit cards, store cards, medical bills and most debts in collections.



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Legal Information Is Not Legal Advice

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Consumer Credit Counseling Information, Debt Management Plan Information, Debt Settlement Plan information, Credit Counseling, Credit Score, Consumer Credit Counseling Service, CCCS, Bill Consolidation, Credit Repair, and Debt Consolidation is not advice, and we recommend you consult a licensed credit counseling agency, debt settlement attorney, and/or licensed debt management plan administrator in your state if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation.

Consumer credit counseling service

Consumer credit counseling service