Overwhelmed by credit card debt? Create a plan!
We can help you create a plan to take control of your money. We review low-cost debt management solutions (including our Debt Management Plan below) that may lower interest, consolidate payments, and eliminate late fees and provide a free debt assessment to create a plan to pay down your debt. You'll leave with a plan that meets your goals and your budget.
Call our office at 255-5166 or 1-800-737-5485 to get started.
In this class you will:
After attending our Budgeting & Debt class, you'll attend a one-on-one debt counseling session. Working with a certified financial counselor, you will:
Our Debt Management Program (DMP) helps clients get back on track with unsecured debt payments such as credit cards, unsecured lines of credit, and personal loans. Many clients appreciate just one monthly payment for their unsecured debt, and find it is easier to incorporate this predictable payment into their budget. After several months of regular, on-time DMP payments, many creditors offer concessions such as discontinuing late fees and reducing the interest rate. Also timely, consistent payments through the DMP can help you begin to rebuild your credit.
After meeting for your free assessment, if you decide to enroll in the DMP there is a one-time set up fee of $35.00 and a monthly maintenance fee of 10% of your total monthly payment, not to exceed $25.00.
For a full explanation of our Debt Management Program, click here.
Ready for assistance? Click here to get started. A counselor will respond to your online inquiry via email. (Note: Online worksheet will not function in Safari web browser.)
PLEASE NOTE: Our Debt Management Plan can only serve consumers living in Western North Carolina. If you are outside of our service area, please find another qualified consumer credit counseling agency by visiting the NFCC website.
"Carrying debt was a weight I couldn't put down. I focused on holding my spending to 'needs' not 'wants' and started to see my credit card balances go down. I feel empowered by being debt free!"