⚠ Important Notice: We provide services only to clients residing in the United States ⚠
Achieve Financial Freedom with a Debt Management Program
Reduce interest rates, consolidate payments, and pay off debt faster with a structured debt management program designed specifically for your financial goals. By assessing your debt-to-income ratio, our counselors can understand your debt and create a debt relief plan that works for you.
With our nonprofit debt management plan, you can consolidate high-interest debts like credit cards, personal loans, and medical bills into one payment. We negotiate lower rates, making debt repayment easier and helping you move closer to financial freedom.
Avoid Missing Payments, Stop Collection Calls
You don’t have to keep dodging phone calls or stressing about due dates. A DMP helps stop late fees and collector calls while giving you one consistent payment you can actually manage.
Build Financial Skills, Live a Debt-Free Future
Our debt management plans include educational tools to help you create strong financial habits. From budgeting techniques to tips on managing expenses, you’ll be empowered to maintain financial stability long after your debt is paid off.
Consolidate Your Debt & Interest, Contact Us Today!
Step 1 Start With a Free Debt Management Program Consultation Today
Meet with a certified credit counselor to review your unsecured debt, monthly payments, and financial stressors, and find out if a DMP is the right fit for your situation.
Step 2 Evaluate Debts, Interest Rates, and Monthly Budget in One Session
We’ll take a close look at your credit cards and unsecured debt to determine how we can lower interest rates and simplify payments through a structured repayment plan.
Step 3 Enroll in a Customized Debt Management Plan With One Monthly Payment
If eligible, you’ll enter a DMP that consolidates debts into one monthly payment, reduces interest, stops late fees, and helps you pay off debt in 3-5 years.
Step 4 Receive Ongoing Support, Education, and Tools to Stay Debt-Free
You’ll get continued access to money management tools, educational resources, and a support team to help you complete your DMP and stay financially strong long after.
Armed with the right tools, managing and improving your credit becomes a seamless task. Effective budget counseling is key to credit health. Our resources and tools guide you in allocating funds wisely, reducing debts, and positively impacting your credit score.
A DMP is a structured plan that lowers interest rates and combines bills into one monthly payment, no new loan required.
Will a DMP Affect My Credit Score?
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A DMP itself doesn’t directly impact your score, but creditors may report reduced payments. Over time, repaying debt in full can improve your credit health overall.
Can I Include Only Certain Debts in My DMP?
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No. All eligible unsecured debts must be included and treated equally to ensure fair repayment terms and full creditor participation in the program.
Can I Keep Credit Cards While on the DMP?
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No. All credit lines must be closed. Rare exceptions may apply for one business card. After completing your plan, creditors often welcome you back.
Dive Into Our Debt Management Blogs for Deeper Insights
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