Professional Debt Management Could be the Key to Saving Hundreds by Paying Off Loans Five Times Faster!
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DebtHelper Specializes in Helping Customers Manage Debt while Reducing Payments & Minimizing Interest*
A Team of Experts You Can Trust
We Have an A+ Rating with The Better Business Bureau!
Listen to Sam’s Debt Management Story
Why Choose DebtHelper?
Debthelper partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. Debthelper.com is ISO: 9001 Certified as audited by BVI, is licensed, bonded, and insured to provide quality debt management services as governed by its Code of Practice and Best Practices through its membership with FCAA, the Financial Counseling Association of America.
Debthelper.com is a nationwide company and a member of the Florida Housing Coalition and the NCHA National Housing Counseling Association. Our company adheres to the NISHEC National Industry Standards for Homeownership Education and Counseling and partners with the FHF Florida Housing Finance Corporation.
Debthelper.com is a proud member of the Southeast Florida Better Business Bureau and boasts an A+ rating with the agency.
Disclaimer:*Approved to issue certificates evidencing completion of credit counseling or a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of the Providers services
Learn More About Our Credit Card Debt Management Plan
Here’s How the Plan Works
The first step in getting on a management plan is a one-on-one credit counseling session with our Certified Credit Counselors. CCMS will help you look through your finances and analyze your spending and saving patterns. This allows us to understand how you’re accumulating liabilities and how you can create a balanced household budget.
Create a Plan
If we agree that it’s right for you, we will contact your creditors, and help you establish a debt management plan. CCMS work with your
creditors to lower your interest rate to their pre-established industry guidelines, and let you pay off your credit card bills on a fixed monthly
Most Management Plans take from three to five years to complete. Instead of paying multiple creditors, you simply send us one monthly
payment, and we make sure that your creditors are paid.At the end of the payment period, your card liabilities are paid in full.
Improve Your Finances
A Management Program is designed to allow you to:
Save thousands of dollars.
Lower your monthly payments.
Lower or eliminate your interest rates.
Stop your late fees or over the limit fees.
Consolidate your credit card payments into one monthly payment.
Stop creditor calls
Avoid personal bankruptcy.
Loan Debt Assistance
Debthelper.com will contact your lenders to set up repayment plans of three to five years or less, provide payments you can afford, and relieve you from harassing creditor calls. If you have more than one loan, Debthelper.com can consolidate all your loan payments into one lower monthly payment that will be distributed to each of your lenders.
How Your Credit Score Affects Interest Rates
Interest rates are the cost of borrowing money. Because credit scores represent how likely you are to pay off a loan, higher scores signify less risk for lenders, meaning your cost for borrowing money is lower.
Your annual percentage rate (APR) is also directly linked to your creditworthiness. The higher your credit score, the lower your APR will be, and vice versa.
There are plenty of reasons we can fall into credit card problems, and it’s not always about our spending habits. Loss of job, loss of income, divorce, medical bills, and other unexpected emergencies can drive us to use our credit cards more than we’d like. Soon we find ourselves struggling with credit card bills, finding it harder and harder to make the minimum payments.
Making the minimum payments isn’t a solution. Even if you never use a card, it can take between 15-25 years to pay off a credit card balance when you’re only making minimum payments.
If you’re ready to take positive steps to get your credit card bills under control and pay off your balances, a Non-Profit Management Plan might be for you.
Assume that you’re carrying $10,000 in credit card bills at 14.9 percent
interest. If you pay the monthly minimum at the average rate of 2.5
percent of your balance it will take 25 years to pay your balance, and
you’ll pay $9,629 in interest. That’s almost as much as you currently owe.
With a Management Plan
With management help, those numbers look a lot different. While you’re
starting with the same $10,000 in credit card bills, but instead of paying
14.9 percent interest, you could pay as little as 1.9 percent interest*.
Because your plan is structured, you pay $178 a month for 60 months,
and at the end of that time, you are paid in full. At the end, you’re also
saving over $9,000 in interest.