Items You'll Need for Debt Management
Know what you owe by collecting your financial documents. Gather all your bills and financial statements. If you cannot find your most recent statements, go online, call, or visit to get a copy. Get a copy of your credit reports and cross check them with your statements. If you don't think a particular debt belongs to you, you can send a letter to the creditor, or collector, to dispute it and request written validation of it.
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Use the financial information you have collected to complete a budget in light of your current situation. A critical part of this process is to learning to prioritize your debts:
- Priority 1 mortgage or vital utilities like rent, food, electric bill, water,
- Priority 2 legal obligations (child support,alimony, taxes);
- Priority 3 unsecured debt (such as credit cards and medical bills).
Another essential part of the process is to find ways to cut your expenses and/or raise your income.
Our debt management service now includes a monthly benefits package that helps our clients save money on ordinary purchases like prescriptions, enormous grociery savings, travel savings
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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. 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.
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