DMPs generally involve lower amounts of debt than debt settlement programs may accept. While enrolled in a DMP, consumers generally do not receive creditor calls; however typical program lengths are around 5 years in duration. A consumer’s involvement in a DMP may also be reflected on their credit report. Consumer’s that choose CCCS programs generally do not have problems making continued payments on their credit cards, and simply need structure and a modest interest rate reduction.

CCCS often receive funding directly from creditors by what's called a "fair share" payment.  This is often based on what the CCC can collect from you.

In comparison, debt settlement programs are generally for consumers that are experiencing a financial hardship and are designed to settle the entire outstanding balance for less than the consumer owes.  Also, debt settlement companies do NOT receive funding from creditors- our interests are aligned directly with our clients' interests.

• Contacting creditors and collection agencies yourself can be very stressful!   A debt collector’s job is to have you pay as much of the balance as possible.   We have professional negotiators that do nothing but negotiate settlements for our clients every single day.  
• We generally know approximately what creditors and collectors will settle debts for at a given period of delinquency.   We use this information when creating your specifically tailored program projections.   This knowledge has been obtained through years of settling our clients’ debt.   It would be very difficult for you to know if you’re getting a good deal without this specific knowledge.
• One of the single biggest advantages our clients have compared to trying to settle debt on their own is the motivation and support system we provide.   We are committed to our clients’ success.  Many completely overlook the importance motivation and a good support system play in one’s debt resolution success.   Just like a personal trainer works individually to motivate and help their clients succeed, our customer service and negotiations team is committed to doing everything possible to motivate and support our clients through the program.   The same sort of motivation and support system are virtually non-existent for those that try settling debts on their own.

If you enroll in a debt settlement program we offer, our goal will be to settle your enrolled debts in the shortest possible time frame for an amount you can actually afford- not just what your creditors are demanding.  We place an emphasis on providing our clients with superior, results oriented service.  To find out if you qualify for a debt settlement program, please call us at (888) 785-5376.