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"Credit card companies will never tell you that their interest rates are pre-negotiated in a debt management plan, some as low as 0% with banks like First Premier, Firestones, Tiresplus, and Advanta."*

Our counselors are here to help consult you on your financial situation to see if you simply need: better budgeting, lower interest rates, or if you are behind on your payments, possibly debt settlement as a cheaper and more effective alternative to bankruptcy.




We Are Experts at Consolidating & Reducing Your Debt!

"Most major lenders offer a low, single digit fixed interest rate if you can make your payments on time, allowing you to pay down your credit card debt usually in 4 years or less. How long can we get it down to? Request a quote - it only takes a few minutes."*

Credit counseling is a hardship program so you must meet the budget and high debt guidelines. We don't try to place everyone into our program; that simple wouldn't be beneficial for everyone.

"How do you know which one to choose?"*

Debt Management Guys did thorough research on hundreds of companies to counsel you based upon to their ability to pay your debts. Our goal is to offer your programs that help your credit, lower your debt, and get you on the path to affordable payments while reducing your debt. Our licensed and bonded backend credit counseling agency has an A rating with the BBB. They simply do the right thing all the time to consumers. To find out how low you can reduce your debt, fill out a request to be contacted and someone will be in touch with you.


"One of our clients lost money in investments, racking up $91,283 in credit card debt with an average interest rate of 18.7%. We lowered her average rate to 6.39% saving over $160,662, $378 a month, and be debt free in 4.1 years."
- Michael Hart, Founder Debt Management Guys

"Another client had over $35,000 in credit card debt with regular collection calls from creditors. Despite the threat of lawsuits, each of them settled for 30 cents on the dollar. "
- Rasheeda Thompson, DMG Associate

"My First Premier credit card interest rate shot up to a 29.99% interest rate when I missed a payment. They wouldn't work with me at all but after enrolling in your program, they dropped to a 0% fixed. Thank you for helping me to lower that ridiculous interest rate. "
- Cindy Williams - Seattle, WA


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How Long Does It Take?

Are you prepared to pay forever on your existing credit cards?® ?

Find out just how long it really takes to pay off your credit debt if you were to continue to make your monthly payments to the Credit Card Companies like you are now. Click Here »

Debt management plans and your credit report: By Experian® ?

"In those cases, the individuals usually are already so mired in debt that their credit scores are very poor. The negative impact of settling their debts in the short term is outweighed by the long term objective of reducing or eliminating their existing debt." Read The Experian Article »

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*Estimates based on prior results; individual results will vary based on circumstances, including your ability to save sufficient funds and complete the program if involved in a debt settlement program. Be sure to ask your counselor on the key differences between credit counseling which pays your full debt back to creditors vs debt settlement which settles for less than the original amount. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment, including potential adverse impact on your credit rating.**While the testimonials and other information on this website may be exciting, Debt Management Affiliates, Debt Management Guys, Debt Settlement Guys, and (or) Debt Consolidation Guys promises only to perform the steps we've agreed to in each client's case. As with any legal work, no outcome is promised. Your results may vary.***Facts and Figures on our website are substantiated by our back-end operations. Our back-end operations are accredited by the USOBA and TASC. Debt Management Affiliates, Debt Management Guys, Debt Settlement Guys, and (or) Debt Consolidation Guys are not affiliated with MSNBC, Fox, CBS, or USA Today and logos used are registered trademarks of their respective owners.