Why Debthelper? Debthelper is a nationwide non-profit, 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 the FCAA, (Financial Counseling Association of America) and the NFCC (National Foundation for Credit Counseling). Debthelper partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. Debthelper services are confidential, trusted, secure and approved by thousands of creditors nationwide.
Debthelper.com is a proud member of the Southeast Florida Better Business Bureau and boasts an A+ rating with the agency.
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.
If we agree that it's right for you, we will contact your creditors and help you establish a debt management plan. CCMS works 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 schedule.
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.
A Management Program is designed to allow you to:
Credit Card Consolidation Program. The Debthelper debt management program (DMP) is not a loan. It is a debt restructuring program that allows users to pay off the same unsecured debt they owe today, with modified terms and conditions, without having to take on new debt.
Stop Paying High Interest Rates! Debthelper will contact your creditors to set up repayment plans of three to five years or less, provide payments you can afford, and provide relief from harassing creditor calls. When you speak to your Credit Counselor, you’ll learn your eligibility for lower interest rates that would help you pay off your debt faster → as more of your payments are applied to your principal balances. Get a Counselor on your side today.
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 Debt Management Plan might be for you.
Assume that you have $10,000 in total credit card bills, averaging 25% interest. If you pay the monthly minimum of about $300/month, it will take about 31 years to pay off the balance. You will have paid about $21,953. This ends up to be over double what you borrowed!
With this plan's help, those numbers look way different: with $10,000 in credit card bills, you could be set up with about 5% interest. Your payments could be about $200 a month for 57 months, and then, you are paid in full. Instead of paying double, you save roughly $10,700 in interest!!!*.
We will be talking with you soon.
You may be able to save hundreds of dollars by paying off debts five times faster, trust DebtHelper to be your guide.
Toll Free: (800) 920-2262
Phone: (561) 472-8000
Email: Counseling@DebtHelper.com
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