Debt Consolidation Benefits Details

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National Association of Certified Credit Counselors

American Association of Debt Management Organizations

*Reduce Interest Rates

Most banks and finance companies offer debt management plans (DMP) thru approved non-profit credit counseling agencies. DMP's may lower or eliminate interest rates and stop late or over-limit fees.

*Lower Your Payments

Debt Management Plans may lower over-all monthly payment. DMP minimum payment requirements are at the sole discretion of the credit grantor.

*Stop Collection Calls

Once an account is approved for debt management plan, collections calls usually slow or stop entirely. Creditors may still call a consumer enrolled in a DMP.

*Restore Your Credit Rating

Once enrolled in a Debt Management Plan a creditor may "re-age" an account that has fallen behind. Re-aging is typically done after the third consecutive on-time payment. Accounts that have charged off are not eligible for re-aging.

To Obtain a Credit Report

Please click on one of the following credit bureau's logo.

Testimonials

i just want to say thank you to ricardo for being so helpful and making me feel relieved about my debt problem, he was very nice and helpful he knew alot and i am happy that i called you thanks again for all your help and opportunity to pay off my debt and stop the harrassing phone calls thanks again

-Melanie G
Beverly Ma

I am on my way of being out of debt!!!! Those words I thought I would never say in MY life time. All my thanks go to Darrel. Darrel is the guy to talk to if you want someone to help you and explain the steps to getting out of a situation that seem so out of control. Thank you Darrel for letting me breath again.

-Diana
California

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