Credit Counseling through Debt Management Guys - Debt Management Debt Settlement and Debt Consolidation Advice
Debt Management Advice since 2008
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Many people are concerned about their credit score in a debt management plan. The fact is that your credit score is unaffected by a credit counseling program. Provided you do not miss any payments before entering the program, you will not incur any missed payments which account for 35% of your overal credit score since making payments on time is your highest factor for your score. 30% of your credit score is measured by how high your debt is to your income. Since your payments are automatically drafted out of your bank account and distributed to your creditors on a monthly basis and you receive a reduced interest rate, you not only pay off your debt faster, but pay it back on time. THus your score is not harmed. Experian 's explanation of debt management plans" discuss how your score is unaffected and beneficial for those whose financial hardship has begin.
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.
How do you know which one to choose? Debt Management Guys did thorough research on several companies and 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. If we could settle your debt for 10 - 40% of the original amount and pay it off in four years or less, would that help? We think so. To find out how low you can reduce your debt, enter your number below to be connected with a live representative today.
People considering bankruptcy are advised to consider debt settlement instead. Its cheaper, less damaging on your credit, and allows you more control of what you can pay rather than what a bankruptcy court may order you to pay.
Consumer credit counseling is the exact same program of going over your expenses and income to determine how you can begin to resolve getting out of debt. If you are considering bankruptcy, you are required to under go credit counseling prior to filing.
The Debt Management Guys and girls are happy to provide a free consultation to determine if you need to enroll in a debt management plan. Many times we will tell you to simply work on budgeting better and send you on your way. Debt management plans are not for everyone, and sometimes debt settlement is a smarter alternative if you are already behind on your payments. The key to managing your debt is having a plan and sticking to it. Setting aside an emergency fund of $1000 is critical to anticipate unexpected events.
Our Debt Solution is our ultimate goal to help you get on the right track to financial freedom. With pre-negotiated interest rates as low as 0% depending upon the bank, we can help. Our debt management for credit card (s) is the exact way to help you get out of debt.
Do you bank with any of these creditors? Look how low your rate may go:
It doesn't matter how you got into debt. We can help you eliminate your debt in a time frame that works for you. Our Debt Management Program can help you do exactly that. For a no cost, no obligation quote on your financial situation, contact us now. or call 678.561.DEBT today.
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