Your debt management plan allows you to pay down your debt such as credit cards,
department store cards, personal loans, past due medical bills, past due utility bills and IRS bills.

Counselors make calls to your creditors and negotiate on your behalf to lower interest rates.
Your bills are consolidated into ONE SINGLE BILL, ONE LOW MONTHLY PAYMENT.
Often times your payments are reduced by up to 70%.

You don't need a home to qualify!