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CreditGUARD of America

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What is Debt Management & How Does it Work?


Without help, navigating debt can be an overwhelming task. You have to figure out your budget, the best places to spend your money and how to best work with the creditors who keep calling. We understand that it can all end up being too much for one person, or even one family.

If this situation sounds familiar, it might be time for you to consider debt management services.

What is Debt Management?

Debt management is a program that helps reduce your amount of debt as well as the time it takes to pay off that debt. You will work with a credit counselor who will contact your creditors on your behalf to help reduce your rates, create a payment plan that is best for your situation and immediately stop collection calls and activity. Our debt management program follows these guidelines:

  • To begin, we take a thorough look at your various debts and income to establish a balanced budget and help prioritize where your money should go. While it is a common myth that budgeting is less than desirable, it is actually an effective tool to help you get out of debt and maintain healthy finances.
  • A credit counselor will contact your creditors to negotiate lower interest rates and monthly payments. Many of our clients have their payments reduced by up to 60 percent. We also help with discontinuing those late and over-limit fees, and after a short period of time, reset your accounts to a current status.
  • At this point, we will consolidate your debt into one monthly payment. This action will help alleviate stress as well as the burden of paying all of your various debts at different times.
  • In addition to our debt management program, we include our credit counseling services to help you learn how to live within your new budget. Credit counseling can also teach you the financial skills you need to stay out of debt in the future. We are there for you as your way out of debt and transition to becoming and staying debt free.

Our job is to help you get out of debt. End of story. Do you have more questions? Check out our budgeting tips, or contact one of our credit counselors today.

Choosing a Debt Management Program

What to Expect

Benefits of Non-Profit




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