A Debt Management Plan (DMP) is a mutual agreement between you and a Credit Counseling Agency (CCA). Simply put, you agree to repay your debts in full over time, without taking on any more debt. In return, most creditors will agree to significantly reduce your interest charges and waive any late fees.

Even though DMPs are often referred to as Debt Consolidation there is a difference. While DMPs consolidate your monthly payments into one, easy payment, they are NOT Debt Consolidation Loans.

Save Time:
A DMP can help get you out of debt more quickly than you could on your own.

Save Money:
A DMP can drastically reduce the high rates of interest typically charged by most creditors. They also eliminate late fees, so more of your money goes toward reducing your debt.

Gain Peace of Mind:
Besides putting an end to harassing calls from collectors, the right provider can guide you through a difficult time and help you plan a brighter financial future.

Your Financial Future Is More Stable:
DMPs have less impact on your credit history than Debt Settlement or Bankruptcy, so you're more likely to gain access to credit again once you've taken care of your debts.

Solving One Problem Doesn't Create New Ones: Unlike Debt Consolidation Loans, DMPs do not inc
ur additional secured debt that could put assets, such as your home, in jeopardy.

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