Debt Management Program: The Best Solution For Credit Card Debt Relief. Presented by The Center For Debt Management
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Debt Management Program
The Best and Most Effective
Solution For Credit Card Debt Relief

Creditor Approved Debt Management Plans Through Credit Counseling Services!

Speak to a Certified Debt Counselor at 1800DEBT.COM

For most consumers facing financial hardship a Debt Management Program offers the best and most effective solution for credit card
debt relief. Many creditors have hardship programs in place that
offer special repayment plans to customers who undergo financial hardship. These special plans are typically offered through nonprofit Consumer Credit Counseling Services (CCCS) and are referred to as a consumer Debt Management Program.

If you have already decided to enroll in a debt management program simply call toll-free 1800 DEBT.COM (that's 1800-332-8266) for a no obligation FREE debt consultation. A certified debt counselor will discuss your financial situation and will be able to place you with a non-profit debt agency that is suitable for your needs and location.

A Debt Management Program primarily benefits consumers who
have accumulated a minimum of $5,000 in unsecured credit card debt and are unable to make the required monthly payments. Most credit card debt management programs reduce monthly payments, reduce interest rates, stop late fees and most important, will re-age accounts placed in the program, bringing them in good standing.

A credit card debt management program offers an opportunity to those enrolled to become debt free in four to five years. Debt relief
is also made possible through savings that may be achieved through interest relief and the process of re-aging accounts, thus eliminating expensive late fees and other punitive charges.

While there are other options available for debt relief, because debt management programs offered through non-profit Consumer Credit Counseling Services are typically creditor approved, it has been our experience that a credit card debt management program offers the best opportunity to debtors to get a fresh start and get out of debt. To learn more, speak to a debt management company.

It is also important to understand that debtors who are considering filing bankruptcy must first go through an “approved nonprofit budget and credit counseling agency” prior to filing for bankruptcy. Chapter 13 filers must also complete a course in “personal financial management” prior to filing for bankruptcy.

The new Bankruptcy Act of 2005 requires that all consumers seeking protection to complete a bankruptcy counseling session and receive a Certificate of Completion before anything can be filed. This provision ensures that consumers understand all of their financial options, and that they have the necessary knowledge and tools to develop a sound financial plan for their financial future.

There are many changes and requirements in the new bankruptcy act. For example, under the old law, filers had a presumption of eligibility to file under Chapter 7, with the final determination made by judges, who evaluated the specific nature of each bankruptcy. In lieu of this judicial discretion, the new law substitutes a means test to determine whether filers have enough income to pay a portion of their debts, and thus file under Chapter 13. To learn more about the new Bankruptcy Act by reading the Guide To Understanding The Bankruptcy Abuse Prevention & Consumer Protection Act.

The bottom line is whether you are seeking debt relief through a Debt Management Program, or through Bankruptcy, you will need to work with aa approved Consumer Credit Counseling Service in order to move forward.

To learn more or to speak to a certified debt counselor who can help you through the process, we highly suggest that you call toll-free 1800 DEBT.COM (1800-332-8266) for a FREE Debt Consultation. There is absolutely no obligations and a certified debt counselor can help you determine the best option for your particular needs.

If you are overburdened with debt, don't wait until bankruptcy is your only viable option. Check out the resources available on our website and call 1800 DEBT.COM for a FREE Debt Consultation.

Debt Management Featured Articles:

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Can't pay your bills? You're not alone. Today, millions of Americans are having difficulty paying their debts. Most of those in financial distress are middle income families with jobs who want to pay off what they owe. Click to read more ...

Effect of Debt Management on Credit Reports

Consumers who contemplate enrolling in a debt management plan are often concerned about the effect their action will have on their credit report. Let's get right to the point. Click to read more ...

A Word of Caution
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Reputable credit counseling organizations employ counselors who are certified and trained in consumer credit counseling, money and debt management, and budgeting. Click to read more ...

Debt Management versus Debt Settlement:
Which Alternative is Right For You?

The above 7 page article includes the following sections:

        Introduction: Debt Management versus Debt Settlement
        Seeking Relief Through A Debt Reduction Settlement
        Debt Management Through Consumer Credit Counseling
        Which Alternative is Right For You?
        Important Facts That Must Be Considered

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  Debt Management Program
Debt Consolidation Over 2,000 Pages of Content Certified Debt Counselor Debt Management Plan
Free Debt Consultation
Bankruptcy Alternatives Credit Card Debt

Debt Management
Plan Features

• Lower Payments & Interest Rates

• Re-age Accounts to Current Status

• Creditor Aproved Debt Relief Plan

• No Credit Checks To Qualify

• No Home Ownership Required

• Avoid Filing For Bankruptcy

• Your Path To Living Debt Free



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Center For Debt Management

Center For Debt Management

The Center For Debt Management

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Debt Management and Financial Services! The Internet's oldest and most comprehensive debt management agency! Resources for debt management, consumer credit counseling, debt consolidation loans, debt settlements, legal aid, financial aid, credit and financing, credit reports, budget software, insurance, income resources, tax assistance and more. Get out of Debt! Call Now — 1800DEBT.COM

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