September 24, 2017
 
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Get Lower Payments with an Easy Debt Management Plan

It’s possible to create extra financial elbow room in your budget by lowering your current monthly payments on credit cards, store accounts, or any other high-interest unsecured debt. Late fees, over the limit fees, and high interest rates can make it nearly impossible to bring down the balance each month. The stress caused by mounting debt can certainly be overwhelming, but there is a way out. Credit counseling and debt management can help you eliminate the hassles and headaches of dealing with creditors.

Money Management – Debt Management Plans

Many people simply have trouble managing their finances on their own. Seeking guidance through a debt management plan can be helpful and thousands of consumers have gotten help each year. These programs offer a personalized plan and strategy to get out of debt. Reputable non-profit agencies also provide resources and education to keep you out of debt for good. After evaluating your credit card accounts, counselors can negotiate with your creditors. If agreed upon, your creditors may reduce interest rates, lower monthly payments, waive late and over-limit fees, and even stop collection calls.

In a debt management plan, you deposit money each month with the credit counseling organization, which uses your deposits to pay your unsecured debts, according to a payment schedule the counselor develops with you and your creditors.

Committing to a debt management plan does take some determination and patience, but it is the investment in yourself and your future that make it worthwhile.

 

 

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