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Debt Management Companies

If you are looking at a stack of unpaid credit card bills right now that you can't handle, then the services of debt management companies may give you solutions and relief. If you feel like you're sinking deeper and deeper into debt, you're not alone. Many Americans just like you are in the same boat - trying desperately to get debt relief but are having a tough time figuring out the right steps to take. Luckily, there are several options available that are designed to help you manage and ultimately, pay down your debts sooner than if you only continued to do so on your own.

See how debt relief can help you. Answer a few, simple questions to get a free debt relief estimate and savings analysis - at no cost to you.

One viable debt relief option is to seek the services of debt management or debt consolidation companies, which can custom-design a manageable and affordable plan for you to pay off your debts at an accelerated pace. Debt management companies generally come in two types - those that require a fee, while others are non-profit debt management companies -- usually government or charitable organizations -- that won't charge fees in exchange for their services.

In a tough economy where so many people are falling behind on their payments, it is no surprise that the debt management business is booming -- which can be both good news and bad news for many consumers. The good news is, there are almost an endless number of debt-relief companies out there promising to help you eliminate your debt. But the downside of so many options is, it can be very tricky to determine the differences between the services that these debt-relief companies offer. Debt management companies typically offer debt management plans or programs (DMPs) that allow you to pay back all your debts at a lower interest rate and with an amount that that you can comfortably pay back every month.

Credit Counseling

With a debt management plan, you will likely work with credit counseling companies that will thoroughly review your finances and put you on an easier-to-manage and more structured repayment plan to help you pay off your debts. You might also come across companies that offer services like debt settlement, where the creditors agree to "forgive or settle" your debt for significantly less than what you actually owed. Then, there are companies offering debt consolidation loans. Unlike debt management companies, debt consolidation loan companies can combine several of your high-interest debts into one, lower interest rate loan. There is also what's known as Christian debt management companies, which may provide financial management skills based on Biblical principles.

Explore your debt relief options. Request a free debt relief estimate and savings analysis, at no obligation to you.

The services offered by debt management companies are not meant to find solutions for everyone's financial dilemmas -- debt-relief services are not one-size-fits-all approaches. Yet, a debt management program may be something worth looking into if you like the idea of learning financial management and budgeting skills while also paying down your debts. If you're considering working with debt management companies, remember to do your homework. Comparison-shop the different services offered and make sure to ask about the fees involved.

Working with a Debt Management Company

Once you decide to work with a particular debt management company, you will generally have counseling sessions with debt management counselors who will review your assets and liabilities, as well as your spending habits. When they have a clear picture of your finances, they will negotiate with creditors on your behalf and try to get you reduced interest rates, possibly eliminate finance charges, or lower monthly payments.

With a more structured and more lenient payment plan in place, you are more likely to get a better handle of your finances, eliminate your debts, and gain control of your life back possibly sooner than you can imagine.

Request a free debt relief analysis and savings estimate in minutes. Start by answering a few, basic questions here.

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Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's a debt program to lower your payments and get you out of debt much faster than you ever imagined.
Who we're helping right now...
$30,000 debt relief savings estimate
– Big Spring, TX

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, debt relief plans can reduce interest rates, lower monthly payments, and help you get out of debt faster.
Who we're helping right now...
$30,000 debt relief savings estimate
– Big Spring, TX

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.
Who we're helping right now...
$10,000 debt relief savings estimate
– Marshall, IL

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is, debt relief can help you save money each month and take control of credit card debts.
Who we're helping right now...
$90,000 debt relief savings estimate
– Leesport, PA

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are credit card debt hardship programs that can help you.
Who we're helping right now...

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are debt hardship assistance programs to help you get back on track.
Who we're helping right now...
$20,000 debt relief savings estimate
– Wauseon, OH

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is, credit card companies may be willing to reduce your interest rates, waive late fees or even settle debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– West Columbia, SC