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Credit Counseling / Debt Management

If you’re facing financial challenges, know that there are several solutions to help you regain control. Choosing the right one can be difficult, but we’re here to help. Speak with one of our representatives today, share your situation, and let us guide you toward the best option for your needs.

  • Develop budgets, manage money, and avoid debt altogether
  • Provide education and resources to help you improve your credit score
  • Single monthly payment
  • A structured repayment plan managed by a credit counseling agency
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Speak with a trusted debt consultant today. 888-427-1415

Debt management helps individuals take control of their finances by working with a credit counseling agency. A debt management plan typically includes negotiating lower interest rates and reduced monthly payments with creditors.

Benefits of debt management:

Lower interest rates: A debt management plan can help negotiate reduced interest rates, lowering your overall debt.

Simplified payments: You make one monthly payment to a credit counseling agency, which distributes funds to your creditors.

Expert support: A credit counselor provides guidance and strategies to help you manage your finances effectively.

There are multiple cons to debt management, which include:

  • Fees: Credit counseling agencies may charge fees for their services, which can add to the overall cost of the program.
  • Negative impact on credit score: Entering a debt management plan can have a negative impact on your credit score, as it involves closing some or all of your credit accounts.
  • Potential for debt consolidation loan rejection: If you need to apply for a debt consolidation loan in the future, your participation in a debt management plan could make it more difficult to qualify.
  • Lengthy repayment period: Debt management plans typically involve a longer repayment period than other debt relief options, which can mean paying more interest in the long run.

It’s important to consider all the pros and cons of debt management before deciding if it’s the right option for you. It may be helpful to speak with a credit counselor and explore other debt relief options, such as debt consolidation or bankruptcy, to determine the best course of action for your situation.

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Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. This company does not actually provide any debt settlement, debt consolidation, or other credit counseling services. We ONLY refer you to companies that want to provide some or all of those services. Programs are not available in all states, and fees may vary by state. Although we cannot guarantee specific results, we work closely with consumers to ensure they are connected with a debt relief provider that can achieve their best possible outcomes. We do not assume clients’ debts, make monthly payments to creditors, or provide tax, bankruptcy, accounting, legal advice, or credit repair services. Please contact a tax professional to discuss the tax consequences of debt relief and a bankruptcy attorney for more information on bankruptcy. Please note that using debt resolution services will likely have an adverse effect on your credit, and you may face collections or lawsuits from creditors or collectors. Additionally, your outstanding debt may increase due to the accrual of fees and interest. Before enrolling, it is essential to read and understand all of your program terms, conditions, and materials. Please note that certain types of debts may not be eligible for enrollment. Also, some creditors may not be eligible for enrollment because they do not negotiate with debt relief companies. Contact us today to learn more about how we can help you achieve financial freedom.