Accelerate Your Path to a Debt-Free Life
Combine your unsecured debts into one manageable monthly payment. Secure significantly lower interest rates and eliminate your credit card debt in 3 to 5 years without borrowing more money.
Average completion timeline for our dedicated clients.
Immediate relief on your monthly minimum payment requirements.
Dramatically lower than the standard 24%+ credit card rate.
Why Choose a Debt Management Plan?
When you're juggling multiple payments, mounting interest, and constant collection calls, it can feel like there's no way out. Our DMP provides a structured, proven lifeline.
One Simple Payment
We replace the chaos of managing multiple bills. You make a single, consolidated deposit into your secure account each payday, and we distribute the funds directly to your creditors on time.
Massive Interest Savings
Because of our long-standing relationships with national creditors, we can negotiate significantly lower interest rates and waive late fees. Our average client saves $29,700 in interest over the life of their plan.
Stop Collection Calls
Once your creditors agree to the terms of your management plan, the harassing collection calls stop. You regain your peace of mind and can focus entirely on your financial recovery.
How the Program Actually Works
Free Debt Consultation
Connect with a certified counselor to review your current debt, income, and expenses. We'll analyze whether a DMP is mathematically the best option for your unique financial situation and budget.
We Negotiate With Creditors
We submit formal proposals to your credit card companies and lenders. As a trusted nonprofit, we leverage our established relationships to secure reduced interest rates and waive penalty fees on your behalf.
Make One Monthly Deposit
Instead of tracking due dates for a dozen different accounts, you deposit a single agreed-upon amount into your secure Modern Debt Help account each month, directly aligned with your payday.
We Disburse Your Payments
We handle the logistics. We distribute your funds to your creditors precisely on time, every month. You can track your rapidly decreasing balances through our 24/7 online client portal.
Celebrate Financial Freedom
In 3 to 5 years, you graduate from the program entirely debt-free. Throughout the journey, your dedicated Client Success Team is there to keep you motivated and accountable.
Frequently Asked Questions
Who is eligible for a Debt Management Program?
Our program is designed for individuals dealing with unsecured debt, such as credit cards, department store cards, personal loans, and certain medical bills. To get started, you connect with a certified counselor to review your income and debts to ensure this path mathematically makes sense for your budget.
Is a DMP different from Debt Settlement or Consolidation?
Yes, significantly. Debt Settlement involves withholding payments to force creditors to accept a lump sum, which severely damages your credit. Debt Consolidation involves taking out a new loan to pay off old ones. A Debt Management Plan doesn't require a new loan or missed payments; it uses pre-negotiated lower interest rates to pay back exactly what you owe, just faster and cheaper.
Will a Debt Management Program hurt my credit score?
We do not report your participation to the credit bureaus. However, a requirement of the program is that your included credit card accounts must be closed, which can cause a temporary dip in your score. Over time, as you make consistent, on-time payments and drastically lower your credit utilization, most clients see substantial improvements in their credit scores.
How much does the program cost?
Fees vary slightly based on your state regulations and total debt amount. On average, clients pay a one-time enrollment fee of $35 and a $31 monthly maintenance fee. These fees are nominal compared to the thousands of dollars saved in waived late fees and significantly reduced interest charges.
Stop the Stress. Start Your Recovery.
Join the thousands who have found their fresh financial start. Connect with a certified expert today to build a plan free from the weight of debt.