How does Debt Management work? What exactly is debt consolidation? Well it is a process by which we are able to negotiate with all of your creditors to obtain the lowest monthly obligation needed for you to satisfy all of your current accounts as long as they are unsecured debts such as credit cards. In a debt management program we can not consolidate secured debts like a home loan or car loan.

You pay one low monthly sum to us, which we in turn portion out to your creditors for you. This monthly payment will in most all cases be lower than the sum of the individual account obligations you may have.

You may ask how can our negotiated monthly payment lower than the sum of your individual accounts? Well Kimberly Credit Counseling is a not for profit organization that is committed to assisting consumers who have had the unfortunate experience of becoming over extended with unsecured debt.  In addition to our debt management program, we also provide you educational information as well to assist you. Our credit counseling & debt management site is designed to help you help yourself. Debt help is just one click away.

We work with many creditors both large and small. Creditors recognize that people who enter a debt management & debt consolidation program are trying to repay their obligations in good faith. Creditors will then be more willing to extend favorable terms to such clients in the hope that they will avoid the significant expense of turning the account over to a collections firm or avoid an extended drawn out process if the account holder goes through the expense of declaring bankruptcy. 

So get your debt help today with Kimberly Credit Counseling.