Debt Management Programs are primarily designed for those who have accumulated a fair amount of unsecured debt and find it difficult to make the required monthly payments. What usually happens is that some people fall behind on some of their payments, which tends to increase their minimum payment. Interest charges builds up and then, when you go into arrears, late charges are added monthly, increasing your debt. A lot of times, it becomes impossible to catch up. Our organization can help by contacting all of the unsecured creditors and notifying them that the client has enrolled in our Debt Management Program.

Creditors must accept that the client has enrolled in our program. Realizing that the client is financially over-extended and is seeking professional help from a qualified non-profit consumer credit counseling organization, most creditors will work with our organization and offer some form of relief. Usually, but not always, we can stop late fees and other punitive charges, reduce or stop interest charges, lower the required monthly payments and re-age accounts to bring them current.

We negotiate all unsecured debt, such as credit card accounts, medical bills, service charges, personal and signature loans, and installment loans and student loans. Once enrolled, correspondence from creditors regarding past due accounts are directed to our organization. In addition to these benefits, our program puts an end to upsetting collection calls and offers our clients a new financial lease on life.

In analyzing an applicant’s financial profile we determine whether or not you have sufficient income to sustain an acceptable budget based on a "revised" payment plan. If you qualify for enrollment, we set up a contingent budget which accommodates all of your creditors. Only unsecured debts, however, are placed in our Debt Management Program. We do not contact secured creditors, utilities, or insurance companies. These expenditures, however, are accounted for in determining an acceptable budget. This budget includes a "fixed monthly consolidated payment" to cover accounts placed in the Debt Management Program. Upon enrollment , based on this budget and our experience negotiating with creditors, we draft and mail proposals to each creditor placed in the program. We are recognized by virtually every major bank and finance company nationwide and regularly develop affirmative relationships with new creditors as our client base expands and new unfamiliar creditors become an issue. In nearly every case, our organization is accepted for the benefit of our clients.