“Many of the people we speak to do not need to enroll in a debt management program, but rather just need to set aside a budget and stick to it. That’s where the help begins. Michael insisted on a forum being created where consumers can come ask questions about credit card debt, personal loans, creditors, and settling on your own versus using a company.

“Clearly there are fees fully disclosed to each and every client. Failure to do is is unacceptable.” says the Debt Management Guys CEO. Hart further explained that if a client truly needs debt settlement help, they must already be behind on their payments and have a substantial amount of debt that they do not anticipate paying back so easily on their own. That’s where we help.

“We want to ensure our clients can see the light at the end of the tunnel and are aware that debt settlement may initially harm your credit since 35% of your credit score is based upon payment history, but also that 30% of your credit score is determined by your debt to income ratio, and settling large amounts of debt can help consumers knock out that debt and begin working again on making payments on time to raise their score again. Its all about discipline and goal planning.”

For more information, feel free to ask a question at the forum at Debt Management Guys forum