It’s time to own your financial future – get out of debt now


Our Debt Management Program can save you thousands

No matter how much debt you have, we can help you.  

Our DMP is a 5 year credit card pay-off plan. Many of our clients 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 our negotiations with the individual creditors. Each client participating in our DMP will receive a personalized credit card payment chart. Budget counseling does not automatically guarantee participation in the DMP.

Get Out of Debt - Happy Family

or call us: 215-348-8003

The Credit Counseling Center Debt Management Program is for PA residents only.


 With Credit Counseling Center’s Debt Management Program you’ll…

Gain an advocate

We negotiate with your creditors so you don’t have to.

No more late fees

If you’re behind on payments, you’ll stop receiving late fees.

One easy payment

You’ll have one payment each month for all your debt.

End creditor calls

Receiving harassing phone calls or texts, they’ll end too.

Lower interest rates

Your interest rates will be cut significantly, many lower than 2%.

Live debt free!

With our help you’ll be able to take control of your financial life.

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 the plan, review next steps, and get your approval before moving forward.

Step 4: The plan is put into action. We will work with your creditors to:

    • Lower Monthly Payments
    • Reduce interest charges (many lower to 2%)
    • Stop Late Fees
    • One Monthly Payment

Step 5: We offer continuous counseling until you’re debt free and feel comfortable managing your money successfully.

Ms. Powers-Watts is crucial to the success of the Program and more importantly, is a beacon of hope to her clients. - Barbara N. Lyons, ESQ.

Debt Management Plan (DMP) Disclosures

Credit Counseling Center is NOT A LOAN COMPANY. WE DO NOT LEND MONEY.


Debt Management Plan (DMP): What is a DMP?

A DMP through Credit Counseling Center is a safe way to consolidate your high-interest unsecured debt – mostly credit cards and become debt-free in 3 to 5 years.

One of our certified credit counselors will conduct a FREE detailed analysis of your income and expenses to create a household budget that includes all fixed, variable, and periodic monthly expenses and liabilities. Ongoing client support and budgeting assistance through counseling and clear communication

Nonpayment of debt may lead creditors to charge you late fees, increase finance (interest rates) and other charges or undertake collection activity, including litigation. We are not attorneys and do not provide legal advice.

Credit Counseling Center only administers Debt Management Plans in the state of Pennsylvania. If you reside outside of Pennsylvania and think you may be interested in a debt management plan to help you meet your personal financial goals, the Federal Trade Commission (FTC) recommends finding a reputable credit counseling organization that uses certified counselors trained in consumer credit and debt management.


DMP Fees

Once approved for our DMP there is a one-time Start-Up fee of $50. Because Credit Counseling Center will continue to communicate with your creditors to ensure accuracy in reporting of your payments and other administrative processes, we charge a monthly maintenance fee which is included in your consolidated monthly payment of $10 per creditor; minimum $30 per month up to a maximum of $50 per month. Credit Counseling Center is a nonprofit organization supported by fees, grants, and creditor fairshare contributions.



Benefits of a Debt Management Plan

Cons of a Debt Management Plan

A DMP offers credit card consolidation without a loan, meaning you do not have to take on more debt to pay off your existing debt.

If lenders look at your full credit report while you are in a DMP, they will see that you are repaying the debt at a reduced interest rate and it may affect their final decision on whether to grant you a loan.

Since your payment history accounts for 35% of your FICO credit score, consistent and timely DMP plan payments will improve your FICO credit score over the term of the program.

You are required to close your credit card accounts to avoid taking on more debt.

The DMP will help you stay more organized and punctual with your bills and payments.

You must commit to making the single monthly payment consistently.

The DMP creates a realistic monthly budget with a financial goal that can get you out of debt within 3 to 5 years.

Some of your creditors may not approve the plan, meaning you will be obligated to pay them separately from the monthly DMP payment.

Ready to get started?

All you have to lose is your debt, get started with a brighter future today!