Debt management is all about taking all the necessary steps to help you get control of and manage your debt. We provide you with all the necessary resources including an in depth look at your budget and finances, we help you negotiate with your creditors to reduce the amount of non-secured principal you owe to your creditors.

Our debt management program consists of a budget analysis, debt counseling, and enrollment in a qualifying plan to help you get out of debt. Throughout the course of your participation in the program you will have access to debt counselors and industry leading customer service..

A typical participant in our debt management plan will participate from 12-36 months, depending on the amount of debt owed, and how quickly you can pay your negotiated reduced principal. This aggressive program, when compared to declaring bankruptcy, is much shorter and far less painful both emotionally and financially.

In this program we can safely, efficiently and quickly (in comparison to bankruptcy) get rid of your debt and get you on your way to a better credit score.

The best method in reaching a financial goal is to map out a plan that can relieve your from your money problems and extend your financial education. We will analyze your current situation and help you create the best road map for you.

Our plan is customized to your needs, and accounts for modest living expenses and a path to reduce or settle your unsecured debt.  We will provide a comprehensive analysis of your budget and debt obligations, and provide a clear roadmap to become debt free.

When you enroll in our Debt Management Program, we will work with your creditors to settle your debts. All of your enrolled accounts will be updated so that we become the primary contact for your accounts. This will notify your creditors that they should direct their collection calls to us.

Once enrolled you will being to make payments to an escrow account. An escrow account is a special account that a third-party controls on both yours and our behalf. On a regular basis we will reach out to your creditors and negotiate on your behalf.  Based on the terms of the agrement, and as we settle your debts, we will move funds from this account to your enrolled accounts.