In the long-run, debt management will always improve your credit score. The short-term effects on your credit score will vary according to which debt management service you choose. Debt consolidation will not have a negative effect on your credit, but rather will improve your credit score over time. With debt settlement, you must actually stop paying your creditors for a while, which has a short-term, deleterious effect on your credit. Debt settlement credit blemishes are easily repaired, though.
 
Type of Service:
First Name:
Last Name:
 

Professional Debt Management

Professional debt management is a smart way to become debt-free without having to declare bankruptcy. Here we'll explain who we are, whether debt management is right for you, and a little bit about our services.

About Us

In considering debt management, you are taking an important step toward freeing yourself from the burden of debt. Done by the right people, debt management can put you back on the road to financial freedom. This is an important decision, which is why it is critical you choose a company who will handle your debt management with competence and professionalism. We have almost a decade of experience handling debt management cases and have helped thousands of people become debt-free. You can be certain that we will bring the skills, experience, and knowledge requisite to handle your debt management right. We will put you in touch with a reputable, accredited non-profit company to handle the credit counseling and consolidation payment aspects of your debt management. We have been delivering quality to our customers for over seven years now.

Debt Management Services

Our debt management services have two primary components: debt consolidation and debt settlement. Each is explained below.

  • Debt consolidation. Debt consolidation combines your many, high-interest debts into a single, lower-interest loan that you pay once per month. You select the due date for your payment, and the non-profit company you work with passes your payment along to your creditors. In addition to combining debts into one, easy-to-pay loan, debt consolidation lowers your monthly payments and the total cost of interest on your debt. In fact, most of our customers enjoy interest rates from 0-8%, which is a vast improvement from the average credit card interest rate of 18%. Debt consolidation is a great option for people who have many, high-interest debts.
  • Debt settlement. Debt settlement is geared toward people who are in danger of declaring bankruptcy and have a large amount of debt. Typically, this is the better option for you if you have over $10,000 in unsecured debt. Debt settlement requires you to stop paying your creditors for a period while we negotiate with them on your behalf. On average, these negotiations will result in a 40-60% reduction in the total amount of your debt. As we negotiate with your creditors, you will make regular deposits into an account designated for that purpose. Once the negotiations conclude, we will take the money in your account to pay off your creditors, and you become debt-free.