It’s time to own your financial future – get out of debt now
Debt management help can save you thousands
No matter how much debt you have, we can help you with a personalized plan to budget, reduce and pay off your debt. We can also assess if you qualify for a Debt Management Program. With our help, you’ll be able to take control of your financial life.
What is a Debt Management Program (DMP)?
A DMP is typically a 5-year credit card payoff plan; many people complete the program in less than 5 years.
Through a DMP, you gain an advocate to negotiate with creditors, end creditor calls, stop receiving late fees, lower your interest rates, and consolidate your debt to one monthly payment – all with the final goal of becoming debt free.
The maximum DMP interest rate is based on negotiations with individual creditors. Each client participating in DMP will receive a personalized credit card payment chart.
Budget counseling does not automatically guarantee participation in the DMP. Pennsylvania residents who qualify for a Debt Management Program will be referred to a trusted partner.
A DMP is a credit card pay-off plan. Many complete the program in less than 5 years.
Credit Card Debt | Current Interest Rate | Maximum DMP Interest Rate | Current Balance | Current Monthly Payment | Monthly DMP Payment | Monthly Savings |
Credit Card #1 | 23.49% | 5.90% | $14,195 | $287 | $119 | $168 |
Credit Card #2 | 25.15% | 1.90% | $9,746 | $305 | $91 | $214 |
Credit Card #3 | 27.24% | 10.00% | $6,725 | $155 | $ 72 | $83 |
Totals | $30,666 | $747 | $ 282 | $465 |
The maximum DMP interest rate is based on negotiations with the individual creditors. DMP participants typically receive a personalized credit card payment chart. Budget counseling does not automatically guarantee participation in the DMP.

What is it like to work with us?
Finding a trusted partner to help you through difficult financial times can make a world of difference to how you feel throughout the process and the results you experience.
With over 25 years under our belts and after helping more than 100,000 individuals and families, know that we’ve got your back and the experience to guide you.
Here’s an outline of what it’s like to work with us. We encourage you not to wait. There are more options the sooner you contact us.
Step 1: To get started, contact us at 215-348-8003.
Step 2: We’ll set up an initial call to review your income, expenses, and debt to form a custom plan for you.
Step 3: After we complete your plan, we’ll set up a second call to present your plan, review next steps and get your approval before moving forward.
Step 4: The plan is put into action. We will work with you and offer continuous counseling until you’re debt free and feel comfortable managing your money successfully.
