CREDIT.ORG

Achieve Financial Stability with Our Debt Management Program

Struggling with overwhelming debts?

Credit.org’s debt management program is designed to offer you relief from debt. Benefit from our structured approach and expert guidance to systematically reduce your debts and regain financial control fast. Take the first step towards a brighter financial future with our comprehensive debt management program.

What Can A Debt Management Program Offer?

Customized Debt Management Plans

Our debt management program excels in creating customized debt management plans tailored to your unique financial situation. We analyze your debts and design a plan that optimizes debt repayment, reduces interest rates, and consolidates payments.

Financial Analysis and Budgeting Assistance

Gain financial clarity with our comprehensive analysis and budgeting support. As part of our debt management program, we help you understand your financial standing and create a budget that supports your debt management plan.

Creditor Partnership and Rate Reduction

Benefit from our expertise in creditor relationships. Our debt management program includes working with creditors to potentially lower interest rates and waive fees, making your debt management plan more effective.

Continuous Support and Monitoring

Stay on track with ongoing support. Our debt management program provides continuous monitoring and adjustments to your debt management plan, making sure you remain aligned with your financial goals.
Change Your Life, Become Debt-Free!
Contact Us Today
Eliminate Debt | Consolidate Payments | Avoid Bankruptcy

Why Choose Credit.org’s Debt Management Program?

Rely on the expertise of our seasoned professionals. Our team is skilled in various debt relief solutions, making sure your debt management plan is both comprehensive and effective.

Key Features of Our Debt Management Program

Comprehensive Debt Assessment

We start with a thorough assessment of your debts, a cornerstone of our debt management program. This analysis forms the basis of your personalized debt management plan.

Strategic Debt Management Plan

Benefit from strategic repayment planning. Our debt management plan focuses on creating a repayment strategy that aligns with your financial capabilities and goals.

Pathway to Debt Relief

Our debt management program paves the way for substantial debt relief. We offer a structured, strategic approach to reduce your debt burden effectively and efficiently.
Get Started Now
Navigate Towards Financial Freedom

Experience the Benefits of a Debt Management Program

Discover how Credit.org’s debt management program can transform your financial life. With dedicated guidance from our debt counselors and a solid plan, experience a journey towards reducing your debt and achieving financial freedom.
Read Our Success Stories
Equipping You for a Successful Debt-Free Life

Education and Resources for Your Debt Management Journey

Our debt management program includes a suite of tools and resources. These are designed to support your journey, helping you understand debt dynamics and manage your finances more effectively.
Explore Our Resources

Debt Management Plan Frequently Asked Questions

FAQ Accordion

What is a Debt Management Plan?

A DMP is a payment plan that helps you repay your debts. Under the plan, you deposit funds with us each month, which we disburse to your creditors. We also handle calls from your creditors to ensure everything is going smoothly. The vast majority of our payment processing is electronic, so funds are transferred directly to the creditors without delay. Creditors may also offer to reduce or waive fees, finances charges, or interest rates to help lower your DMP payments and ensure your success on the plan.

Will a Debt Management Program affect my credit?

Participation in a Debt Management Program has no direct impact on your credit score, but being enrolled in a Debt Management Plan may change some aspects of your credit report that may have a negative impact. A particular creditor may look at a Debt Management Plan as a minus when reviewing your credit. Also, some creditors may indicate that you are “not paying as agreed” while you are on the Debt Management Program, even though they are accepting the reduced payments. A certified counselor can talk to you about the effect on your credit based on your unique mix of creditors. Ultimately, a Debt Management Plan helps to improve your personal financial situation by helping you to repay your debts in full. This can only have a positive impact on your credit in the long run.

In my DMP, can I just include the bills I’m having problems with?

No. We must include all of your debts in the plan, and we treat them all equally, even if some are more manageable than others.

Can I keep some of my credit cards while I am on the DMP?

No. All of your lines of credit must be closed while you are on the DMP. Only very rarely are exceptions made; in these cases, some clients may be able to keep one credit card account open for business purposes. Typically, creditors are ready to open new accounts for our clients as soon as they complete the DMP, especially if their payment history was solid while they were on the plan.
Deepen Your Understanding of Debt Management Plans

Want to Learn More About Debt Management?

Our debt management program blogs offer extensive insights into the workings of debt management plans and the strategies that are implemented that lead to financial success.
View Blogs