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Debt Management

The Debt Management program is an arrangement the creditors have for consumers who currently have debts that they are struggling with or have fell behind. This program will reduce the interest rates on accounts enrolled effectively lowering their monthly payment enabling them to repay the debt much faster. Often times the creditor will waive the late fees and over limit fees. The Debt Management program may also bring late accounts current and stop the creditor calls.

 

Benefits of Debt Management

>lower interest rates

>improve credit rating

>stop creditor calls/letters

>one low monthly payment

 

Debt Settlement

The Debt Settlement program is a negotiation process to repay much less than what is currently owed. It is designed for consumers who have fallen behind and can no longer afford to pay their minimum monthly payments required by their creditors. This is the most aggressive approach to becoming debt free and best way to avoid filing Bankruptcy. This program will also stop the harassing creditor calls and letters.

 

Benefits of Debt Settlement

>pay a fraction of your total balance

>reduce creditor phone calls

>pay off debt in 12 - 36 mo