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A Debt Management Plan
Is one way we can help you resolve your credit problems and repay your debt. A Debt Management Plan is recommended for those individuals who need more than advice and could benefit from a structured repayment plan. If you choose to establish a Debt Management Plan, our certified counselors will assess your financial situation, develop a spending plan, and create a plan for debt repayment.
A Debt Management Plan may help:
Eliminate Collection Calls
Counselors are available 24 hours a day 7 days a week by telephone and Internet.
To get started, fill out the online conseling form or call to speak with a credit counselor about the options available to you.
How to Know when a Little Debt is too much Debt
How do you know when a little "acceptable" debt becomes a potentially dangerous situation?
For some, the crisis is as clear as being faced with a decision between taking on more debt or letting their families go hungry. For most, the clues are more subtle. As a general rule, no more than 20 percent of your disposable income should go toward debt payments (not including your mortgage).
In addition, a "yes" to any of these questions should give a pause for thought.
â¢ Is an increasing percentage of your income going to pay off debts?
â¢ Is your savings cushion inadequate or nonexistent?
â¢ Are you near or at the limit of your lines of credit?
â¢ Can you only make the minimum payments on your revolving charge accounts?
â¢ Are you extending repayment schedules-paying bills that were once paid in 30 days in 60 or 90 days?
â¢ Are you chronically late in paying your bills?
â¢ Are you paying bills with money earmarked for something else?
â¢ Are you borrowing money to pay for items you used to buy with cash?
â¢ If you lost your job, would you be in immediate financial difficulty?
â¢ Are you unsure about how much you owe?
â¢ Are you threatened with repossession of your car or credit cards, or facing other legal action?
While a single red flag is not a sign of impending doom, it is an indication that you need to make a change.
How to Determine Who You Owe and How Much You Owe
If you don't know who you owe or how much you owe, you should obtain copies of your credit bureau files. All of your major creditors report, on a regular basis, all of their customer's account information to the credit reporting agencies. Once you have the copies, you will be able to determine who you owe and how much you owe. To obtain your free annual credit reports under the FACT ACT, visit AnnualCreditReport.com; you can also call 877-322-8228. For help reading your credit reports, contact a trained credit counselor. Your counselor will review your reports with you and help you to determine a course of action to pay down outstanding debts and achieve debt relief.
Wonderful. Thanks for your services. I think what your company does for people is awesome.
I am sorry it has taken so long to respond. I appreciate your Congratulations. The program with your company is outstanding. I think I found you by doing a Google search. I appreciate that all the consistent information I was given from day one. I never felt like I did not know what was going on and the representatives were very helpful..especially when I got threatening phone calls. The documentation for this program was very detailed. The paperwork helped me determine my monthly payments, how much I needed to save and when I could expect the final outstanding loan to be paid.
Your organization gets two thumbs up from me! I am free from the pay day loan trap and now know these programs are very dangerous. Lesson learned. Have a great summer.
I was very proud of your staff they very talented thank you for your help. I was very please with your service nothing bad to say ? It's a blessing
I was very please with your company and my representatives. Thanks.
Thank you very much, i also extend my gratitude to you and all at Cash Management Service. Things are working out for me fine with the loans thus far. I absolutely have no intentions of falling back into that trap, it was definitely a learning experience for me. Happy Holidays to you all as well, again thank you so much for getting me back on the path to freedom.
Thank you all so much for all your help in getting me out of the Pay Day Loan mess I got myself into. You & Liz were always so helpful to me as well as others that I have spoken too when I called to talk to either of you. Your company is so well versed in your industry and in explaining things to me. I will definately never get myself in that pay day loan rutt again but if I hear of anyone else in that predicament I will certainly recommend they contact your company.
You and your Company have given my life back - well my financial life. I remember when I first called I was in tears and didn't know what to do. The person (cant remember her name) on the phone calmed me down, reassured me and gave me hope that everything was going to be alright. At the very moment(hearing it from her) I was relieved and had hope of living my life. I was afraid to answer my phone, I was miserable and had an headache everyday until I called your Company. I can't thank you enough or express how much your Company has helped me. Words really can't do it for me. I wish you and your Company continuous success and continue to give hope to people find their financial relief.
Thank you for your clarification of my status as a graduate of your program.
Let me affirm that your program, and the excellent leadership of you helped me to focus continually upon my main goals and to concentrate on saving money and making payments that could relieve me from a burden of debt.
I extend to you and to the program my sincere thanks for helping me make an important step of progress in my financial life. I will always be grateful to all of you who run the cash management program.
I cannot express enough all the help you have been! I would recommend your services to anyone! It is such a relief to have someone to lean on for help in this type of situation!
Budget and Debt Counseling
Cash Management Service Team
Offers free budget and debt counseling to those who need help with budgeting, money management skills, and credit issues. Certified counselors take the time to thoroughly understand your situation and provide you with specific advice.
You and your personal credit counselor will work together to:
â¢ Assess your current financial situation
â¢ Develop a realistic spending plan
â¢ Establish achievable financial goals
â¢ Create a personal action plan for success
Budget and debt counseling is available 24 hours a day, 7 days a week by telephone and Internet.
We have created alliances with recognized entities that contribute to improving quality of our products.
Your peace of mind is priceless, we offer a broad portfolio of solutions to ensure what you love most.
You will have all the benefits without bank restrictions, as we are confident with our model
Our programs with social sense, comprehensively improve the quality of our product and of our members.
We got you covered with a wide variety of product and a large team to help you acomplish your goals