By taking the
steps to manage your debt, you will learn that you can:
Reduce or eliminate your interest rates
Reduce your monthly payments
Consolidate your unsecured debt into one simple monthly payment
Reduce the overall number of years to takes to pay off your debt
of debt Management
Usually a much
lower interest rate, on a creditor by creditor basis, is made
available to the client.
In many cases, if
you are behind, your account may by re aged back to a current status
without having to make up any back payments or late fees, after three
or more consecutive on time payments.
by giving one simple payment each month, and a timeline to have your
bills paid off.
Also, the program
does not have a negative impact on your FICO score. The monthly
set-aside amount may be much more affordable.
The payment amount
and time frame is longer than settlement in most all cases.
financial pressure may not be feasible if the client does not have the
ability to use their cards.
Not all creditors
may participate in the debt management program.
Helpful Financial Forms - Download financial forms.
Cards - Learn about important terms before applying for a
Consumer Rights - Learn about your rights under the Fair
Credit Reporting Act.
Debt Warning Signs - Learn about the warning signs of debt.
Scores - Learn about credit scores and why they are so
Telemarketing Scams - Top 10 telemarketing scams.
Money Saving Tips - Tips to help you save money.
Consumer Debt Statistics - Detailed consumer debt statistics
in the U.S.
Debt Management Plan - How debt management helps you.
Repair - How credit repair helps you.
Foreclosure Prevention - How and why to prevent foreclosure.