http://www.americandebtgirl.com/debt-management-service.html A debt management service can give you the keys to a financially sound future. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 The keys to your financially sound future aren't found in a shiny new car. That's gotta come later (at least, the one you really want does). How A Debt Management Service Can Help You What can you expect when you contact a debt management service? You can expect to have a debt management professional analyze your financial situation and recommend the best debt management program for you. You can expect that they will either provide you with some credit counseling or refer you to another agency to get credit counseling. You can expect to be out of debt in five years or less, and save thousands of dollars in the process. You can expect your creditors to stop hounding you for their money (if that's what's happening now). How do you get out of debt so fast when a debt management service gets involved? It's simple. Once you enroll in a debt management program, a debt management service will either negotiate with your creditors for lower interest rates and elimination of past fees and finance charges or a loan with an interest rate in the single digits. (You probably don't even realize how much of your payment each month goes towards interest and finance charges. You just know you aren't making much progress even though you're trying really hard!) All that being said, a debt management program is only as good as the debt management service providing it. Finding a Good Debt Management Service When you're looking for a good debt management service, you're going to have more luck on the Internet than you will in the yellow pages. You'll get a lot of variety, that's for sure. To make sure a debt management service is good, do the following: Make sure they company and its agents are nationally certified and accredited It helps if it's a company you've heard of before, such as Consumer Credit Counseling Make sure the Better Business Bureau hasn't received any complaints about them. (This doesn't guarantee that there are not dissatisfied customers, but if there have been bad reports, you'll know to stay away.) Make sure they have a physical street address, not just a post office box. Fill out the online informational forms for several companies, then narrow your options from there based on fees, services provided and how willing and able they are to answer your questions. Sat, 26 Jul 2008 15:00:00 EDT