Debt Credit Consolidation Advantage

Debt Management Plan, or Debt Management Program, is usually administered by a Credit Counseling company. If you have fallen behind financially, and have amassed a large amount of unsecured debt, we help you get your financial life in order.

In an initial free credit counseling session, you collect all of your outstanding credit card statements, and monthly bills, and we work with you to create a manageable budget .Next we assess your credit card debts, and other unsecured debts, and create a proposal to send to your creditors. Creditors have been known to lower your monthly interest rates, accept a lower monthly payment, or re-age your accounts so they are current, instead of in arrears. The goal of a debt management plan is to get you out of debt in the shortest period of time, without going through bankruptcy or debt settlement, both of which are detrimental to your credit score.

Once a proposal is accepted, we set up an account for you, where you transfer funds directly to us via EFT, electronic funds transfer from your checking account. Each month, we make sure your bills are paid on time, and keep you appraised of your status with a monthly statement of your account.

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