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Debt Management Inquiry

Fill in the following form as completely as possible.

First Name:

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Last Name:

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Phone:

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Email:

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City:

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State:

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Zip:

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Unsecured Amount:

Total unsecured debt must be $7,500 or more.

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This includes credit cards, department store cards, personal loans, cell phone bills, legal bills, medical bills, credit lines.

Secured Debt:

This includes mortgages, auto loans & utilities.

Are you current or behind?
Comments:
 

 

Debt Management Program

Debt Management may be right for you if you are current, can make minimum payments on your cards and can barely afford regular monthly bills without using the cards, but can not get the principal balances down because of high interest rates. Also, this program may suit you if you had an emergency that caused you to fall behind, but can now afford regular monthly payments and just need help getting back to a current status.

Below are some pros and cons of a Debt Management program:

The Pros of Debt Management:

  • Usually a much lower interest rate, on a creditor by creditor basis, is made available to the client.

  • In many cases, if you are behind, your account may by re aged back to a current status without having to make up any back payments or late fees, after three or more consecutive on time payments.

  • Simplifies things by giving one simple payment each month, and a timeline to have your bills paid off.

  • Also, the program does not have a negative impact on your FICO score. The monthly set-aside amount may be much more affordable.

The Cons of Debt Management:

  • The payment amount and time frame is longer than settlement in most all cases.

  • This increased financial pressure may not be feasible if the client does not have the ability to use their cards.

  • Not all creditors may participate in the debt management program.

What kind of loan are you looking for?

 

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Please Note: Your contact request form will be sent to the participating companies upon receipt. You understand and agree that you are establishing a business relationship with us and the participating companies who will be contacting you by telephone and electronic mail, even if you have previously listed yourself on the state or federal do not call list. There is no obligation for submitting your information.

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