Debt Management Plan

But if you come up with the right preparations, it would be much easier. But you can’t just trust on anybody to rely on to get you out of trouble. One thing you can do is get the best debt management plan from Credability. You might probably be wondering how it can help you. Well, the best debt management plan will surely lessen the burden by reducing the interest rates and the payments to your creditors. 

With the best debt management plan, you will be able to completely eliminate your debt and finally put an end to creditor calls.

Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune. But once your debt starts to mount, don't rely on just anybody to get you out of trouble.

Become debt-free sooner than you think.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

Conquering Credit Challenges

Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

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Free Debt Management Plan

To be cleared from yourbankruptcy case, all the debts included in your bankruptcy should be consideredas non-collectible. Also, the law requires that you should complete thePre-discharge free debt management plan before you are cleared from yourcase. 

It's free. It's confidential. And all it takes is a couple of minutes. To get out of debt sooner than you think.

CredAbility has helped thousands of people get out of debt. Why should you be any different?

For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP. If you would like referral information for your state, please click here.

How Does A Debt Management Plan Work?

The following video was produced under our former name of Consumer Credit Counseling Service.

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Bankruptcy Course

Bad debtmanagement starts whenyou can’t pay all your monthly dues. You start to miss bill due dates andsometimes, fail to pay a certain bill. There are even days when you receivesucceeding calls from your different creditors. It is still considerable ifthey call you at your own home, but by the time you get a call from them at thework, now that can be very embarrassing for you. And worse, legal actions willbe then made against you due to unsettled accounts.

I can help you learn what you need.

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

The Pre-Discharge bankruptcy education class is available online.

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Best Debt Management Plan

But if you come up with the right preparations, it would be much easier. But you can’t just trust on anybody to rely on to get you out of trouble. One thing you can do is get the best debt management plan from Credability. You might probably be wondering how it can help you. 

Well, the best debt management plan will surely lessen the burden by reducing the interest rates and the payments to your creditors. With the best debt management plan, you will be able to completely eliminate your debt and finally put an end to creditor calls.

Our certified credit counselors will help you complete your debt management plan. First, you need to provide us your personal information to be able to enroll for DMP, evaluate your creditors and rewards of your DMP, analyze your financial situation, and then we will review your monthly cash flow. All the information from you will remain completely confidential. And the best thing about it is that it’s free and it will only take a few minutes of your time.

Together, we can build a clear plan to best fit your needs.

It can happen at anytime and it can happen to any of us: A job loss. A medical crisis. A natural disaster. Life in general. Any number of unexpected events could potentially lead to mounting debt-and even the most prepared individual is not immune.

Through our Debt Management Plans, (DMP), you could minimize interest rates and payments to creditors, pay down your debt, eliminate fees and put an end to collection calls.

Getting started on your DMP is easy and can be completed in 4 easy steps.

Step 1 –	Provide the basic personal information necessary for DMP enrollment
Step 2 –	Review your creditors and the benefits of your DMP
Step 3 –	Review your current financial situation
Step 4 –	Finally, we will take a look at your monthly cash flow

The total process will only take a few minutes. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.

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Nonprofit Credit Counseling Service

There are a variety of nonprofit credit counseling services available, and a huge number of for profit agencies as well. Groups like Credability.org are freely available and have a great track record. They are a nonprofit credit counseling service that doesn’t charge anything for their help in building a debt repayment plan.

Many organizations have fees associated with debt repayment plans, even taking a portion of the money you pay them to be used on your debts for their own fees. 

By choosing a nonprofit credit counseling service you can usually assume that they won’t be charging you exorbitant fees for their services, but it’s a good idea to ask just to be safe. While some groups, like Credability, offer their services to their clients free of charge, some nonprofit credit counseling services still charge fees.

Seeking reviews online is a good way to help filter out the good organizations from the bad. If you know anybody who has worked with a credit counseling service in the past, ask them their experience. If they have had a good one, it is worth checking out who they worked with. Especially if their debt repayment plan worked for them. 

The best way to choose a credit counseling service, though, is simply to call and ask them questions about what they can do to help you. If they are friendly and supportive initially, you can usually expect them to be for the duration of your working relationship.

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Non Profit Debt Management Program

To be cleared from yourbankruptcy case, all the debts included in your bankruptcy should be consideredas non-collectible. Also, the law requires that you should complete thePre-discharge non profit debt management program before you are cleared from yourcase. 
Credability has a non profit debt management program that will give you the preparations you need for a brandnew start. The non profit debt management program is a two-hour course thatcovers the following: 

• Establishing substantial monetary goals
• A realization of your credit report
• Acquiring or restoring credit
• Proper administration of budget
• And more ideas to help you achieve financial control and stability

To enroll in this class,you will need to provide your case number. So if you aren’t discharged fromyour case yet, you can not enroll to our non profit debt management program. 
Depending on your area,you can take the non profit debt management program online, by telephone,or in person. 
You can take your non profit debt management program right here on Credability anytime you want. We are availble24/7 Just click on the “Start an online session” button above. The telephoneclasses are scheduled during Tuesday and Friday from 10am to 12pm. You canregister by calling us at 866-672-2227. To inquire for the in-person class inyour area, you can call at 866-672-2227 for locations and schedules.

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Debt Management Nonprofit

CredAbility says that the consumers on its Debt Management Plans in 2010 had higher incomes, more credit card debt and were older than in previous years.

In 2010, the average income of a person on a DMP with CredAbility was $53,880, a four percent increase compared to 2009. Each person on a DMP in 2010 had an average of $24,266 in credit card debt, a 4.5 percent increase compared to 2009. The average age of a person on DMP in 2010 was 48, up from 45 years old in 2009.

“While people enrolling in our DMPs earn good incomes, they have an increasing amount of credit card debt,” Williams said. “We can help them negotiate lower interest rates with their creditors that may result in lower monthly payments.”

Many people who opt for a DMP to repay their unsecured debt are prompted to seek help after late payments have caused their credit card interest rates to soar. In some cases, a DMP is a sound alternative to bankruptcy. Ultimately, the plan serves the dual purpose of helping consumers repay their debts and helping creditors receive the money owed to them.

Identity Theft

Learn the necessary steps that you need to take to protect your information and avoid the common mistakes that allow the thieves to take your identity. Learn also what you have to do if you are already a victim of identity theft.

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