Who qualifies for a Debt Management program? Anyone who has $2500 or more in unsecured debt (credit cards, personal loans, etc.), 18 years or older, and currently employed. What kind of debts does Debt Management help with? Debt Mangement programs help with unsecured debts such as credit cards, personal loans, medical bills, utility bills, etc. They do not consolidate car loans or home mortgages. They work only with debt that is not backed by an asset. Will a Debt Management Program stop collection calls? Collection calls typically stop once the creditor starts receiving payments through a debt management agency. How will a Debt Management program help me? Contrary to popular belief, debt management is NOT A LOAN! A debt management program allows you to make a single monthly payment that is in turn distributed to your creditors. This eliminates the need to make individual payments to each of your creditors. Many of the creditors allow you to reduce your monthly payment and reduce interest and late charges and stop collection calls. That way, more of your payment goes to reducing your debt, getting you out of debt faster. How will my creditors know I have joined a Debt Management Program? Once you have enrolled in a debt management program and all paperwork has been received, a proposal is sent to each of your creditors for the amount indicated by your counselor. Is a Debt Management Program the same thing as filing bankruptcy? Bankruptcy is a proceeding in a federal court in which the assets of an individual experiencing financial difficulty are sold, and the individual is relieved of further liability to their creditors. In addition, bankruptcy will stay on your credit report for seven to ten years and greatly hinder your ability to obtain new credit. A debt management program is an actual repayment of the debt and a "cleaning-up" of your credit report. How will a Debt Management Program affect my credit? Debt Management agencies work with many creditors who will re-age or bring current your account thereby removing the current delinquency rating on the account. This is done by making consistent payments through the program. What if I'm behind or not paying my bills, can I still apply? YES! Debt Management programs are designed exactly for this situation. They work with you and your creditors to create an affordable and manageable budget. How do I get started? Complete our simple sign up form. Once your application is submitted, you will be contacted by a debt professional within 24 hours. Once you are contacted, you can ask any further questions and decide if the program is right for you.     Click Here To Get Started!