Debt Management Plan: DebtHelper: Non-Profit Bankruptcy, Credit & Housing Counseling Agency

Company Profile

Our Services

Personal Finance Education

Housing Counseling

Bankruptcy Counseling

Divorce Counseling

Financial Education

Frequently Asked Questions

Individuals who are experiencing financial difficulties may be eligible for help through CCMS's debt management plan.

Most creditors provide financially distressed clients the following direct benefits through the debt management plan:

Lower monthly payments

Lower interest rates

Suspension of late and over limit fees

Account re-ages after several consecutive monthly payments

Discontinuation of collection calls

For consumers that are currently past due on their accounts the debt management plan will provide the immediate benefits of lower payments, late and over limit fee suspension and account re-ages. These benefits provide our clients with a fresh start on paying their accounts and enable them to avoid collections, charged-off accounts and possible bankruptcy. The biggest long-term benefit of the debt management plan is the reduction in interest charges. Reduced APRs allow our clients to pay off their accounts faster while saving them possibly thousands of dollars in finance charges.

In order to determine your eligibility for debt consolidation you can fill out an online budget and application form or contact a CCMS credit counselor at 1-800-920-2262. A CCMS credit counselor will review your budget information with you to determine the best course of action in improving your financial situation. All counseling consultations are free and strictly confidential.

Your CCMS debt management plan begins upon your first payment to CCMS. CCMS will initiate your debt management plan by sending letters of proposal to your creditors and disbursing your payments to them. Each month, you would make one payment to CCMS for all of your accounts and CCMS would, in turn, disburse your payments to your creditors. The debt management plan is typically configured so that you can pay off your accounts within five years if you make the minimum payments.

Credit Card Management Services currently accepts clients from most of the states and the Commonwealth of Puerto Rico. We comply with all state licensing requirements and ensure state mandated regulations are followed. Some states have enacted legislation which precludes CCMS from accepting new clients, however, we will be happy to refer residents from these states to other, qualified, AICCCA member agencies. Please call 1-800-920-2262 or email us at counseling@debthelper.com for more information regarding individual state regulations.

States We Participate Currently	States We Do Not Participate Currently