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. R
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.
You’re not alone. In a free consultation, our counselors take time to understand what you’re facing, and explain how a DMP can help reduce the stress of falling behind.
Step 2: Let Us Handle the Heavy Conversations
We contact your creditors directly to negotiate lower interest rates and stop late fees, so you can stop juggling bills and focus on one manageable monthly payment.
Step 3: Get a Plan You Can Actually Stick To
We design a plan built around your income and lifestyle. No impossible goals, just a clear path to get out of debt and feel in control again.
Step 4: Stay Supported, Every Step of the Way
With tools, counseling, and check-ins, we’re here long after your plan starts. You’ll have what you need to rebuild credit and stay debt-free, for good this time.
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.
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