Congratulations, Tiffany!

We’ve received your request and have matched you with a Trusted Provider that specializes in Credit Card Debt Solutions. You should receive a call within the next few minutes so you can get connected. If you are unavailable, a confirmation text will be sent, so connecting at your convenience is quick and easy. We look forward to assisting you!

Tell us how much you owe.

What is the status of your payments?

Enter your zip code.

Please Enter a valid Zip Code

Not a real zip code


Searching for availability in


Please wait while we find the best solution for you.

Good news! We can help!

Provide a few details about yourself so we can set you up with a debt specialist.

By clicking on the "Contact Me" button above, you consent, acknowledge, and agree to the following: Our Terms of Use and Privacy Policy. That you are providing express "written" consent for or appropriate service provider(s) to call you (autodialing, text and pre-recorded messaging for convenience) via telephone, mobile device (including SMS and MMS - charges may apply depending on your carrier, not by us), even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. We take your privacy seriously and you may receive electronic communications, including periodic emails with important news, financial tips, tools and more. You can always unsubscribe at any time. Consent is not required as a condition to utilize services and you are under no obligation to purchase anything.

A credit card debt management program offers the most flexibility to consolidate debt!

There’s not one right way to consolidate credit card debt. In fact, there are several solutions you can use. But most of them require good credit and only work for limited amounts of debt. By contrast, a credit card debt management program (DMP) allows you to consolidate debt, regardless of your credit score. You can even consolidate high-volume amounts, even if you have more than $100,000 to repay.

How a credit card DMP works

  1. First, you talk to a certified consumer credit counselor for a free debt and credit evaluation to see where you stand.
  2. If a DMP is your best option to get out of debt, they help you enroll.
  3. You provide a list of the accounts you wish to include.
  4. Then the counselor helps you work out a payment that fits your budget.
  5. There is a setup and monthly maintenance fee for the program that will be included in your monthly payment; fees vary by state and your financial situation, but they’re capped at $79.
  6. Once your plan is set up, the credit counseling agency contacts each of your creditors to negotiate. Each creditor must:
    1. Accept the adjusted payment schedule
    2. Agree to reduce or eliminate interest charges applied to your debt
    3. Stop all future penalties on your account
  7. After all your creditors sign off, you begin making payments. You pay the agency one payment each month and they distribute the money to your creditors as agreed.

Credit card debt management program benefits

  1. You pay back everything you owe, so there’s no credit damage when this is done correctly.
  2. With reduced or eliminated interest charges, you can get out of debt faster, even though you may pay less each month.
  3. Most people complete the program within 36-60 payments, so you’ll be out of debt in less than five years.
  4. On average, this program can reduce your total monthly payments by up to 30-50%.
  5. Interest charges are typically reduced to 0-11%.
  6. You can consolidate high volumes of debt, even if you owe $100,000 or more.

Is a credit card debt management program the right solution for you?

A credit card DMP is generally the best solution to use if …

  1. You have bad credit and can’t qualify for do-it-yourself solutions
  2. You have too much debt to consolidate successfully on your own
  3. You’ve tried other DIY solutions and they haven’t worked
  4. Most of your debts are still with the original creditors; otherwise, consider debt settlement.

A DMP can also work for…

  • Store credit cards and in-store credit lines
  • Gas cards
  • Unsecured personal loans, including credit card debt consolidation loans
  • Payday loans
  • Unpaid medical bills

Want to know more? Visit’s Education Center for in-depth information about a debt management program.