Debt Management

In the table below you can find a variety of companies that offer to assist you in the event of serious debts with a debt management plan. With debt manage services you can depend on a team of dedicated professionals who will look at your individual case – how much you owe, and the amount of creditors who are chasing you – and work out a simple yet effective solution with a debt management plan. You will work with debt experts and can rely on support and guidance whenever you need. Debt management plans are an alternative to filing for bankruptcy – a last resort for anyone. With the right debt management plan you could find that there is a way out of your debt and you can look forward to living a debt free life. Compare debt management plans below.

If you wish to speak to someone: Contact Us or Enquiry Line: +1 212 796 5747

COMPANYDEBT OPTIONS

DEBT OPTIONS

Forms of debt management available

MIN DEBT

MIN DEBT

Minimum debt necessary to apply

MIN MONTHLY REPAYMENT

MIN MONTHLY REPAYMENT

Minimum monthly repayment

WRITE OFF OPTIONS

WRITE OFF OPTIONS

Potential debt write off

ID REQUIRED

ID REQUIRED

Identification required to apply

TERMS

TERMS

Terms and conditions of debt management plan

SUITABLE

SUITABLE

Suitable for type of applicant

RESTRICTIONS

RESTRICTIONS

Restrictions for applicants

MORE INFO

Equifax Debt Wise
Equifax Debt Wise

Debt management plan and credit reports.From $5,000$14.95 (FREE 30 day trial)Choose between three prorammes Equifax Patrol, Equifax Complete and Debt Wise-all for a reasonable monthly sum.Identification

Identification

Personal details including address and social security number.

Terms

Terms

1.Each package is $14.95 a month.
2.Those with subscription products may recieve a refund on their product if they are dissatisfied.
3.The company does not claim to repair your credit.

Suitable For

Suitable

People in debt, seeking credit monitering, Identity theft insurance or debt strategy advice.

Restrictions

Restrictions

You cannot use Equifax if you are from Utah, Nevado or Colerado.

Equifax Debt Wise
If you are struggling with debt-related, financial problems and are looking for a way out or at least a step in the right direction, then a debt management company such as Equifax Debt Wise might just be the right option for you. You can obtain a credit report, set up an online system to help you with your payments and even gain access to identity theft protection insurance. Their debt management plan is a smart, innovative product that includes a step-by-step plan you can follow to pay down your debts more quickly and save money on interest. DETAIL INFORMATION >>Services

Services

Fantastic trial run on the website where you can try out all the features of Equifax Debt Wise.


Advantages

Advantages

1.Save money on interest by following Equifax's step by step plan.
2.Easy to create Fast Play Plan plan.
3.Constant updates of your financial progress and any changes to your credit.
4.You will benefit from Identity Theft Protection monitering and insurance.
5.You can even make use of the interactive score monitor which shows you how different things could affect your credit rating.
6.You can preview the system on the Equifax website to make absolutely sure you would like to purchase it.
7.Fantastic, clear and easy to navigate website.
8.Latest in "debt stacking" technology


Disadvantages

Disadvantages

1.The programme is not available to those persons who live in Utah, Nevada or the District of Columbia.
2.Only available to those in the U.S

See Beyond 20/20
See Beyond 20/20

Debt Action PlanAsk on application$59.00 per yearUp to 60%Identification

Identification

Debt information

Terms

Terms

You must be a minimum of 18 years

Suitable For

Suitable

Anyone that has more than one loan to pay off

Restrictions

Restrictions

You must have more than one loan

See Beyond 20/20
See Beyond 20/20 claim to help you achieve true financial freedom, saving you tens of thousands of dollars in the process. They will provide you with a debt management plan and each month you will receive an email with instructions on how to pay current debt, in order to save you money and years of payments. Their 20/20 Analysis travels down your specific road toward debt freedom instantaneously. It evaluates each monthly pay period to decide how best to use the money that you’ve dedicated toward your debt bills. DETAIL INFORMATION >>Services

Services

1. Debt Relief
2. Credit Counseling.
3. Bankruptcy


Advantages

Advantages

1. Takes the money you already have, and allocates it to quickly get you on top.
2. Sets you up on a debt-free plan that is in your best interest – not the debtor’s.
3. Helps you to uncover new ways to reduce you bills and allocate more to your debt payoff


Disadvantages

Disadvantages

1. It is not a program that discounts any of the principle that you owe.
2. $59.00 USD per year

DebtCreditQuote
DebtCreditQuote

Debt Settlement Plan$10,000Free quoteUp to 60%Identification

Identification

Details of your unsecured debt and Current payment status on your credit cards

Terms

Terms

1. You have a debt problem you cannot resolve.
2. You are having trouble staying current, delinquent, or are close to being in litigation.
3. You must have a positive cash flow.
4. You may be considering bankruptcy, but would like to avoid it.
5. You must have a minimum of $10,000 in unsecured debt.
6. You must have some type of hardship (divorce, illness, job loss, etc.).

Suitable For

Suitable

Individuals who are having problems paying their debts on time

Restrictions

Restrictions

Have a minimum of $10,000 in unsecured debt.

DebtCreditQuote
DebtCreditQuote negotiate directly with your creditors to come to a reasonable agreement that best suits your financial situation. They have top negotiators on standby ready to help anyone that is willing to try and become debt free with a debt management plan. Apply online and they will strive to make sure that you are satisfied with your settlement. They speak directly to creditors to make sure you can pay off your debts. You don’t settle with bankruptcy. DebtCreditQuote strive to make sure that you’re satisfied with your settlement. DETAIL INFORMATION >>Services

Services

They have established relationships with most creditors and know which ones are willing to settle and at what percentage. Their Debt Consultants will review the percentages they typically receive from your creditors and base their estimates on these. They will not accept into their program creditors that they cannot work.


Advantages

Advantages

1. Reduce your monthly payments by up to 60%
2. Be debt free in as little as 12-30 months
3. Lower your unsecured debt
4. Arrange one simple affordable monthly payment


Disadvantages

Disadvantages

1. Their fee is not stated on the website.
2. You are not guaranteed to be accepted onto the program.

Say No Bad Credit
Say No Bad Credit

Debt Settlement$10,000No upfront feeFrom 40% - 60%Identification

Identification

Details of your unsecured debt and current payment status on your credit cards

Terms

Terms

An ideal client: Has a debt problem he or she cannot resolve. Is having trouble staying current, is delinquent, or is close to being in litigation. Has a positive cash flow. May be considering bankruptcy, but would like to avoid it. Has a minimum of $10,000 in unsecured debt. Have some type of hardship (divorce, illness, job loss, etc.).

Suitable For

Suitable

Individuals who are having problems paying their debts on time

Restrictions

Restrictions

You must have a minimum of $10,000 in unsecured debt

Say No Bad Credit
If you are having problems paying off your debt or you are already behind on payments and cannot afford to stay current, Say No Bad Credit try to eliminate your outstanding debts for less than the amount actually owed to the creditors. Their program gets you out of debt with a debt management plan, helps you avoid bankruptcy and gives you financial freedom. They will set for you a suitable program that will make an impact on the amount of money in your pocket. Their program frees up money to help your cash flow. DETAIL INFORMATION >>Services

Services

Debt Consultants will review the percentages they typically receive from your creditors and base their estimates on these. They will not accept into our program creditors that they cannot work.


Advantages

Advantages

1. You can apply online or by phone.
2. Reduce your debt and improve your credit.
3. You can reduce your total debt amount 40% - 60% during this process


Disadvantages

Disadvantages

1. You have to apply to obtain the fee.
2. You are not guaranteed to be approved onto the program

If you wish to speak to someone: Contact Us or Enquiry Line: +1 212 796 5747

Compare Debt Management Services

If your bills are spiralling out of control a debt management plan could help you.

What is a debt management plan?

A debt management plan is an arrangement which you can come to with your creditors in which you agree to pay a monthly payment. Debt management plan companies can work on your behalf to negotiate with those who have lent you money in order to try and reduce your payments and to bring some sort of order to these payments. Debt management plans are a popular solution for people looking to get out of a debt situation. Many people take out a debt management plan because they will help you budget more effectively because usually your monthly payments are reduced over a period of time, often extending when you debt has to be repaid. The right debt plan for you will depend on your personal debt situation so find a company that can offer a tailor-made service.

How much will I have to pay?

Your monthly payment will be worked out according to what you can afford to pay. This amount will then be split fairly among your creditors. A debt management plan means that you are agreeing to pay off your debt in full and you may be able to freeze some of the interest charges although this is not always the case. You creditors do have to legally agree to any proposals.

How much will it cost?

Most companies will charge some sort of fee for their services. The amount everything will cost will depend on your level of debt and how quickly you are able to pay back what you owe. However, a debt management plan may not necessarily be less expensive in comparison to your current debts and potentially it could be more expensive.

How will a debt management plan help me?

In some ways a debt management plan consolidates your debts and will help you to be more organised as you will only have tome one monthly payment rather than lots of smaller payments on different debts. Creditors and lenders may agree to reduce or freeze the interest and other charges on your debts to stop the amount continuously accumulating. Once a debt management plan is in place your creditors may stop trying to contact you and once the debt management plan is completed your debts will be cleared and you can look forward to living a debt free life.

There are disadvantages to debt management plans

With a debt management plan your debts will not be written off so you must pay them in full. Secured debts such as a mortgage will not be covered in a debt management plan. Make sure you read all terms and conditions and it is also worth seeking external financial advice before getting into a debt management plan. Make sure a debt management plan is the right option for you.

Finding the right debt solution for you

A debt management plan is just one way to deal with your debts. You should look into all the debt solutions available to you including Consolation Loans before you make a decision. You can use the table above to compare different debt management plans. Make sure you weigh up the pros and cons to find the company that suits you best.

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