Your financial situation will be stabilized and you will most likely have additional money in your monthly budget for essential items. You will have a clear plan for resolving your credit problems and you’ll have the encouragement to work on that plan until you are living debt free. Certified credit counselors will design a debt management plan to meet your specific needs and help you get back on a manageable budget. A debt management plan is for you if you want:

• Reduced creditor calls.
• Reduced payments.
• Reduced interest and finance charges
• Waived late and over-limit fees.
• Help with reestablishing credit.
• Support in maintaining your commitment to becoming debt free
• Having your debts paid off in a realistic and reasonable length of time