Are your Credit Card Interest Rates OUT OF CONTROL?

Hardship Programs can reduce your interest rates by 25%
AND reduce your Payoff Timeline by 30 or more years!

Make just one consolidated payment, pay down Principal,
and have qualifying debts paid off in 24-60 Months.

Types of Accounts with which we can Help (any combination):

• CREDIT CARDS
• RETAIL STORE CARDS
• GAS CARDS
• MEDICAL BILLS
• AND MORE!

OUR AVERAGE CUSTOMER SAVES $10,000 or More in Interest Payments!

Program Benefits:

• Lower monthly payment
• One consolidated payment for all of your debts
• Lower interest rates
• Pay off your debt faster
• You can include medical debts
• Reduce or eliminate collection calls
• Eliminate late and over-the-limit fees
• You can leave one credit card off of the program for emergencies

Eliminate the Stress & Burden of High Interest Minimum Payments

USE OUR EASY SAVINGS CALCULATOR TO GET STARTED ⇨

About Debt Management Programs

Debt can be a confusing subject, especially when you’re heavily into it, which most Americans are.In the United States, total consumer credit – debt incurred for purchasing goods or services – is $3.1 trillion. Nearly forty percent of America’s 120 million households carry a balance on credit cards. The average balance for each home that carries credit card debt is $7,200.A Debt Management Program, or a DMP, can help families and individuals struggling with that much debt.

A Debt Management Program is a carefully constructed financial plan to help you pay off credit card debt, without taking out a loan. You make one consolidated monthly payment to a debt management program provider with the goal of paying off your debt in 2-5 years. Benefits of a debt management program can include lower interest rates on your balances and a lower payment. Our providers offer nonprofit online credit counseling and online debt management tools. See if you qualify.

Will A Debt Management Program Ruin My Credit Score?

In short, no. A Debt Management Program will not ruin your credit score. Recent data from the National Foundation for Credit Counseling show that consumers who received credit counseling and enrolled in a debt management program experienced positive growth in the credit score in eighteen months.

Qualifying for Debt Management

Debt Management Programs are designed to reduce your Payoff Timeline from over 30 years to 2 to 5 years.  To qualify, your interest rates must be above 15% on the enrolled accounts, you must be current or less than 60 days behind on your credit card accounts or store/gas card accounts and you must be able to make monthly payments that are approximately 75% of your current combined minimum payments.

A Debt Management Program is not a loan. The counseling agencies communicate with creditors to reduce the interest rate and lower or waive late fees so that monthly payments go down. The agencies work in the client’s favor, saving them time and money in paying off the debt.

If your situation changes and you suddenly have enough money to pay off your account(s), you can do so at any time, with no penalty.