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Debt Consolidation Center

Your Trusted Source in Debt Management

501(c)(3) Non-Profit Organization

Debt Consolidation

Benefits

  • Reduce Interest Rate*
  • Lower Your Payments*
  • Stop Collection Calls*

Why Us

  • Licensed & Bonded
  • Certified Counselors
  • 24/7 Online Access

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Our free counseling requires no loans, no credit checks or even home ownership. Get the help you deserve today. Se Habla Espanol.

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Debt Consolidation

Non-profit credit counselors offer debt consolidation or debt management. Credit card debt can be included in a debt management program. Debt consolidation loans may be an alternative to pay off debt, although typically at high rate of interest. Debt consolidation should only be considered after budget counseling. Debt relief or debt help is most effective when considering all alternatives. As credit card debt increases the need for debt consolidation and debt management has increased nationwide.

Debt relief can be effectively done on an individual basis thru early payments and higher than minimum payments. You only need to consolidate debt if you are unable to keep up with minimum payments. Credit consolidation of debt will typically have you debt free in 4-5 years.

If you need bill consolidation to get out of debt only use a debt solution or credit consolidation offered by a reputable agency. "Lead generation" companies heavily advertise debt help and debt relief options. If you seek credit consolidation or any debt solution make sure if you respond to any advertisement for debt help you are dealing direct with a debt solution company. Many offers for debt consolidation loans, or bill consolidation are lead companies that will resell your personal information over and over again.


*Details

*Reduce Interest Rates

Most banks and finance companies offer debt management plans (DMP) thru approved non-profit credit counseling agencies. DMP's may lower or eliminate interest rates and stop late or over-limit fees.

*Lower Your Payments

Debt Management Plans may lower over-all monthly payment. DMP minimum payment requirements are at the sole discretion of the credit grantor.

*Stop Collection Calls

Once an account is approved for debt management plan, collections calls usually slow or stop entirely. Creditors may still call a consumer enrolled in a DMP.

*Restore Your Credit Rating

Once enrolled in a Debt Management Plan a creditor may "re-age" an account that has fallen behind. Re-aging is typically done after the third consecutive on-time payment. Accounts that have charged off are not eligible for re-aging.


Important

DCC offers consumers free ongoing credit counseling services* and educational materials regardless of whether or not consumers enroll in the DCC debt management plan program. DCC also offers free educational seminars to the public. Please check our Events link for details. Please contact us for details at 1-800-982-8445.

*Fees may be charged for the debt management plan program. Terms, conditions, and eligibility requirements apply for debt management plans.

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