Start Now To Eliminate Debt.

Become Debt Free Now

Reduce High Interest

May Lower Payments

Stop Collection Calls

Stop Late/Over Limit Fees

No Obligation Free Consultation

First Name
Last Name
Total Unsecured Debt

DebtConsolidationConnection won’t share or sell your information to 3rd parties. The Telephone Consumer Protection Act requires that you verify your email and telephone numbers. By submitting this form, I consent to receive email, SMS and/or phone calls from DMCC. I understand that consent is not required to receive free information or make a purchase. Debt Management Plans are serviced by DMCC. Privacy Policy

Debt Consolidation/Debt Management plans to get Debt Relief

Debt Consolidation or “Debt Management” plans can help consumers get bill consolidation on Credit Card and other types of unsecured debt such as loans, lines of credit, and medical bills paid off much faster than making minimum payments. When you consolidate credit cards and other debts thru one of these plans your interest rate should drop and your over all payment may be lower. By getting credit help collection calls, late fees, and over-limit fees should stop once enrolled.

It’s important to know that these plans are “Creditor” based plans, which means they are offered by your credit consolidation grantor and available only thru approved non-profit agencies. All benefits of the debt consolidation or “debt management” plan will be directly from the original credit grantor or current creditor. The benefits extended vary from creditor to creditor, however most, (but not all) are fairly similar. You can expect typical department store credit card interest rates (18-28%), to be lowered to 6-9%. Some banks and finance companies will eliminate the interest completely; however expect an average interest rate of 6-9% when you consolidate credit card debt and other unsecured debt thru one of these plans or credit help.

One thing you need to prepare for is that you won’t be able to make further charges on any account being included in a debt management plan. If you have a credit card that has a low balance and reasonable interest rate, you should strongly consider keeping that card out of the program which is usually not a problem, although some creditors have stricter rules than others and depending on who your creditors are they may require all accounts be included.

There are other ways to pay down debt like through bill consolidation. Just making larger payments each month will of course pay your accounts off faster than just making minimum payments. If you have the ability to make larger payments, that option should be considered. One thing you should not do is take equity out of your home to pay off credit consolidation and unsecured debt. Most financial experts will tell you not to use home equity to pay-off credit card debt.

The first thing to do when you have financial trouble is a budget. Know exactly where you are. Don’t be afraid to look at the numbers, it’s not going to help to stay in the dark. You don’t need anything but a pen and paper (or use your computer) write down monthly expenses on one side, income on the other and subtract expenses from income. That’s what you got left over. If your in the red, it’s time to reduce spending or increase income or a combination of the two.


  • Bill & Credit Consolidation
  • Credit Card Debt Relief
  • Consolidate Credit Cards
  • Debt Management

All content, material and software is copyright Debt Consolidation Center © 2003 - 2022