Get Your Questions Answered Today!

Request a consultation today

Meet Us


Michael Hart, Founder & CEO

Michael Hart founded in 2009 after realizing the enormous need for debt resolution from the economic crash of 2008. Michael spent months researching every backend debt resolution company he could find online to compare the ratings, results, and lowest interest rates available for consumers in dire need of debt reduction services. Today, DMG continues to offer an FTC compliant credit counseling service in 46 states with the "no upfront fee" model. Michael firmly believes in Proverbs 22:1: "A good name is more desirable than great riches; to be esteemed is better than silver or gold." Our Mission is Simple: Help show a benefit in a credit counseling program, otherwise our advice is free. If you currently have more than $10,000 in credit card debt with average interest rates above 18%, we may be able to save you a substantial amount of money in interest and finance charges. Email us for a consultative quote.

Trouble Paying Off 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.


Professional Negotiation
Our network of over 200 licensed attorneys nationwide can negotiate your credit card balances for substantially less. Utilize our knowledge of the industry to help you sleep better at night knowing your credit card debt will soon be under control.


*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.