• Negotiating on payments with a credit card company may be the lowest point in your day, but it might save you a lot of money in the end. Before picking up the phone, you must have a thorough understanding of your debt situation – not only from the credit cards but overall debt. The goal is to negotiate a settlement that is affordable for you as well as workable for your creditor. Learn More.
  • debt management plan is not a debt consolidation loan or a debt settlement program. It is a plan that helps consolidate unsecured debts to lower monthly payments through a reduction of interest rates and penalty fees.