That said, this plan is not for everyone.  It usually has a higher monthly payment that must be made in full every month.  We have negotiated lower interest rates with your creditors to combine your payments into one.  In addition, under this program your credit will be protected and recent late fees will be reversed. 

Positives to a Debt Management Plan with a Credit Counseling Service
Lower Interest Rate
Credit is restored with no negative impact as long as payments are made every month until they are paid off
One monthly fee to a Debt Management service

Negatives to a Debt Management Plan with a Credit Counseling Service
The Monthly Payments are an average of 2.50% per month of your total debts
Credit report will show that your credit cards are under Credit Counseling
No flexibility in missing a payment
Credit Cards will be closed and cannot be used
One missed payment can cause the creditors to charge back the previous late fees and the interest fees

Please call us for more details. 

                                                    

Click here to go to Option 4 - Debt Settlement