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Debt Consolidation Help

For a free consultation from a Credit Counselor, please fill out the short form above and you will be contacted ASAP! All fields required. Please do not include mortgage or auto loan debt

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National Association of Certified Credit Counselors ISO 9001:2000 Certified on Quality Management System and BSI
Financial Education, Credit Counseling, Debt Management. You can find help with budgeting, credit card debt, loanmodification, and do-it-yourself resources.

Debt Management Plan (DMP)
A debt management plan(DMP) allows you to take all existing unsecured debts or loans and their corresponding payments and combine them into one unified debt and payment. This page allows you to enroll in our debt management plan online. If you are unfamiliar with how a debt management plan works, or the pros and cons, call us at 877-209-2225 and a certified Credit Counselor will perform a free budget analysis to assist you in determining whether a debt management plan is best for your situation.


Debt Management Program: Online Enrollment

Our Online Enrollment Program allows you to sign up for the Debt Management Program without the assistance of a credit counselor. It's an easy online application in 6 simple steps.

Who should consider auto-enrollment in a debt management program?

  1. If you are familiar with debt management plan (DMP) benefits, policies and procedures
  2. You determined that a debt management plan is the best solution for you based on your current situation and you have already completed a budget plan.
  3. You are comfortable with “online applications” and have high-speed Internet access.

Before enrolling in a debt management plan (DMP) you should have exhausted all other options to re-pay your debt. While DMP’s can be a good options for some, these plans are appropriate not for everyone. Make sure you really need to enroll in a DMP. DO A WRITTEN BUDGET PLAN. If it’s possible to cut expenses and pay extra towards your debt, maybe you don’t need the DMP. Review all other possible options to pay your debts such as home equity lines of credit, borrowing from 401k or retirement fund. Another possible option is an increase in income. Perhaps an increase in pay at your current job? Perhaps a second job. If you have exhausted all other options, then a DMP may be a good solution. Remember this auto enrollment process is designed only for consumers who have fully evaluated their situation and have pre-determined that a DMP is the best option for them.