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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, debt settlement as a cheaper and more effective alternative to bankruptcy.

Debt Management
Debt Settlement


We Are Experts at Consolidating & Reducing Your Debt!

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

Debt Management Guys has watched the debt management industry in the last two years and followed alot of changes. The debt settlement industry met new laws many of which are an improvement for the consumer. We want to ensure that our clients receive the very best service which is why we only utilize licensed attorneys in each state to negotiate balances should a client be in a true financial hardship.

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 in 4 years instead of 40.

You don't have to harm your credit score to still pay down your debts in 4 years or less. We always recommend a credit counseling program first to our clients to see if they can experience the benefit of single digit interest rates and paying back the full debt in 4 years or less. With interest rates mostly between 0 to 9%, its an excellent concession for creditors to offer in exchange for an agreed repayment of debt. The creditors do require the accounts to be closed because historically they have learned that many people will only rack up more credit card debt, thus falling out of a debt management plan. Therefore, you ensure you pay down your debt in a short period of time. If the payment in a credit counseling program is too high, our attorneys are averaging a 30% settlement when the national average is 43% of the original debt for most debt settlement companies today, What this means is that if you have money left over in your escrow account, it comes back to you. Our attorneys review every file in the best interest of the client to make sure you can afford short terms with unbridled success.

To find out how low you can reduce your debt, enter your number below to be connected with a live representative today. Or feel free to call us direct at 1-800-442-8004 ext. 100 today for a free, no obligation quote to enhancing your financial freedom.

"After losing money in investments, I racked up $91,283 in credit card debt with an average interest rate of 18.7%. I enrolled in your DMP program and my average rate dropped to 6.39% to help me save over $160,662, $378 a month, and be debt free in 4.1 years. Thank you Debt Management Guys for getting me out of debt!"
- Mary Sanders - Shreveport, LA

"I had over $35,000 in credit card debt and my phone rang off the hook with creditors. I enrolled in your debt settlement program and your attorneys got those calls to stop and settled my debts for 35%. I can finally sleep again. Thank you so much for your help and answering my questions every step of the way."
- Bill Palmer - Omaha, NE

"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 stop paying ridiculous interest. "
- Cindy Williams - Seattle, WA

Videos For Debt Management and Settlement
What Every Client
Should Know About DMP

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 »

*Estimates based on prior results; individual results will vary based on circumstances, including your ability to save sufficient funds and complete the program. 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.

Questions?   Call: 1-(800)-442-8004