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Debt Management Centre

How Credit Counseling Works

Credit Counseling and/or a DMP (debt management plan) as it is often called, is one way to get out of debt. Normally, a credit counseling company will try to negotiate a reduced interest rate on your credit cards. This means that you may be able pay back your entire balance at a reduced interest rate. In some cases, the creditors may agree to reduce the principal balance owed or bring the interest rates down to 0%.

Participating in a credit counseling program will save you thousands of dollars in interest and will eliminate your debt much quicker than if you continued to make the minimum monthly payments directly to your creditors. In order for credit counseling to work, you must have sufficient income to pay your basic bills and be able to support a payment plan. You must also understand that participating in a DMP may have a negative effect your credit profile.

While you are in the plan, some creditors may require that you include every credit card that you owe. You may also be required not to incur any new debt while you are participating in the program. This program will have an impact on your credit profile.

Be sure that you do not miss a payment to the credit counseling company. You should make sure that your payment arrives in time for your funds to be disbursed to your creditors. Otherwise, you may be charged additional late fees and other charges, which could also adversely affect your credit profile.

To learn more about credit counseling and if it may be a viable debt solution for you, click the button below:
I want to be debt free in 12-14 months.
I want to be debt free in 12-14 months.

Why Consolidate

Would you like to consolidate your credit card bills and free yourself from debt?

Our debt consolidation service is here to help you!

After you fill out the short online form with your contact information, a professional debt counselor will contact you and provide a free credit card debt analysis, and discuss your options.

You may then decide if the program is right for you.

  • Drastically lower or even eliminate interest rates!
  • Substantially reduce your monthly payments!
  • Consolidate your bills into one simple payment!
  • Absolutely No Obligation!
  • Cut the years it takes to pay off your debt, fast!
  • No Credit Checks, Home ownership NOT required

Why Consolidate Your Credit Card Bills Through Our Website?

The answer is simple. You get a free, no-obligation credit card debt evaluation from a consumer recommended company.

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