Debt Settlement, Debt Consolidation, Debt Counseling & Debt Relief. Reduce your Debt up to 60%. Free 10 min. consultation.

DEBT MANAGEMENT

Debt management services are third-party services intended to help customers who are at least $10 000 or more in debt. These services generally tackle consumer debt. Secured debt, such as mortgages or car loans, are not usually included. In a debt management service, a trained financial professional will sit down with the debtor and examine all debts owing. He or she will offer advice to the customer about making these payments more affordable. As well, he or she will generally help the customer develop a budget and a repayment plan, helping the customer see where his or her money should go.

Finally, some debt management services will also contact creditors on the customers behalf and negotiate the debt amount. In some cases, they are able to reduce late penalties, interest rates, or reduce some additional charges that creditors impose. However, for this reason, taking part in this type of service will generally lower a customers credit rating temporarily.

Most debt management services are meant to be long-term solutions and require months or years of repayment before a consumer is debt-free. Of course, the total amount of repayment time will depend on the amount of debt a consumer has and how much money a consumer can allot to repayment each month. On average, these services take about two years. Debt Management services charge fees to their clients. If you decide to use one of these services, it is a good idea to research a reliable service and to look for a company that charges reasonable fees.

United Debt Relief negotiates with your creditors to reduce your fees and interest rates. We develop affordable monthly payments that can help you get a fresh financial start. We get your lenders to agree to accept less than the total amount owing, making getting out of debt a realistic possibility.

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