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How Can a Debt Management Plan Affect Your Credit Score? Posted 7/13/2026 by Lisa Ohnemus One of the first questions many people ask about a Debt Management Plan is, "What will happen to my credit score?"
Your credit score may change when you begin a DMP, but that does not mean the program will ruin your... |
Tags: Credit Cards, Budgeting, Credit, Credit Counseling Agencies, Debt & Collections, Financial Planning, Finding or Making More Money, Bankruptcy, Health & Financial Fitness, Blog, Financial Planning, collections, credit scores, Debt Settlement, Credit counseling / debt relief, credit / credit scores
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How to Choose a Debt Management Agency You Can Trust Posted 7/9/2026 by Lisa Ohnemus Looking for help with debt can feel overwhelming. There are many companies online, and they do not all offer the same type of help. Before enrolling in any program,... |
Tags: Credit Cards, Consumer Protection, Budgeting, Credit, Credit Counseling Agencies, Loans & Banking, Debt & Collections, Financial Planning, Shopping, Finding or Making More Money, Bankruptcy, Health & Financial Fitness, Financial Planning, collections, credit scores, Emergency Savings, Debt Settlement, Credit counseling / debt relief, Identity theft / scams, budgeting / savings, credit / credit scores
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Warning Signs of a Debt Problem Posted 7/6/2026 by Lisa Ohnemus Debt problems do not usually happen all at once. Many times, the warning signs start small and build over time. Recognizing those signs early can help you take action before the situation becomes more stressful.
You may be experiencing a... |
Tags: Enjoy Holidays on a Budget, Credit Cards, Budgeting, Credit, Credit Counseling Agencies, Debt & Collections, Financial Planning, Finding or Making More Money, Identity Theft, Bankruptcy, Health & Financial Fitness, Blog, Financial Planning, collections, medical debt, credit scores, Emergency Savings, Debt Settlement, Credit counseling / debt relief, budgeting / savings, credit / credit scores,
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What Happens During a Free Credit Counseling Session? Posted 6/12/2026 by Lisa Ohnemus Reaching out for help with debt or budgeting can feel a little
intimidating. You may wonder what... |
Tags: Automobiles, Enjoy Holidays on a Budget, Credit Cards, Consumer Protection, Budgeting, Credit, Credit Counseling Agencies, Loans & Banking, Family Celebrations, Christmas Spending, Debt & Collections, Financial Planning, Shopping, Finding or Making More Money, Identity Theft, Bankruptcy, Health & Financial Fitness, Taxes, Blog, Financial Planning, collections, medical debt, credit scores, Emergency Savings, Prescriptions, Debt Settlement, Credit counseling / debt relief, Identity theft / scams, budgeting / savings, credit / credit scores,
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Childcare 101: How to navigate costs and options Posted 5/20/2026 by Amanda Reid-Raper For many families, childcare is one of the largest monthly expenses, sometimes close to the cost of a mortgage or rent. And unlike other bills, childcare is not always simple to shop for, compare, or plan around.
The average weekly... |
Tags: Credit Cards, Budgeting, Credit, Credit Counseling Agencies, Family Celebrations, Financial Planning, Health & Financial Fitness, Blog, Financial Planning, Emergency Savings, Credit counseling / debt relief, budgeting / savings,
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How to Get Your Free Credit Report and Dispute Errors Posted 5/14/2026 by Lisa Ohnemus Reviewing your credit report is an important step in protecting your financial health. Your credit report shows your credit history, including accounts, payment... |
Tags: Automobiles, Credit Cards, Consumer Protection, Budgeting, Credit, Credit Counseling Agencies, Loans & Banking, Debt & Collections, Financial Planning, Identity Theft, Bankruptcy, Health & Financial Fitness, Blog, Financial Planning, collections, medical debt, credit scores, Prescriptions, Credit counseling / debt relief, Identity theft / scams, credit / credit scores,
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How does a debt management plan work? Posted 4/7/2026 by Lisa Ohnemus A Debt Management Plan (DMP) is a structured repayment program designed to help individuals manage and repay their unsecured debts. A DMP involves consolidating multiple debts... |
Tags: Credit Cards, Budgeting, Credit, Credit Counseling Agencies, Loans & Banking, Debt & Collections, Financial Planning, Bankruptcy, Health & Financial Fitness, Blog, Financial Planning, collections, medical debt, credit scores, Emergency Savings, Debt Settlement, Credit counseling / debt relief, budgeting / savings, credit / credit scores,
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The Money Reset: Getting Back on Track After a Tough Year Posted 11/17/2025 by Lisa Ohnemus Some years are just hard on your wallet. Rent goes up, groceries cost more, the car breaks down, and suddenly, the credit cards are doing a lot of heavy... |
Tags: Credit Cards, Budgeting, Credit, Credit Counseling Agencies, Loans & Banking, Debt & Collections, Financial Planning, Health & Financial Fitness, Blog, Financial Planning, Emergency Savings, Debt Settlement, Credit counseling / debt relief, budgeting / savings, credit / credit scores,
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Behind the Scenes: How We Work with Creditors on Your Behalf Posted 7/15/2025 by Lisa Ohnemus When you join a debt management program with Consumer Credit of Des Moines, one of the biggest benefits is that you don’t have to handle your... |
Tags: Credit Cards, Budgeting, Credit, Credit Counseling Agencies, Loans & Banking, Debt & Collections, Financial Planning, Bankruptcy, Health & Financial Fitness, Blog, Financial Planning, collections, medical debt, Debt Settlement, Credit counseling / debt relief, budgeting / savings, credit / credit scores,
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10 Simple Habits to Improve Your Finances in 2025 Posted 1/14/2025 by Lisa Ohemus Achieving financial stability doesn't have to involve drastic changes. Small, consistent actions can significantly improve your financial health over time.
Here are ten simple habits to adopt in 2025 that can help you... |
Tags: Credit Cards, Budgeting, Credit, Credit Counseling Agencies, Family Celebrations, Debt & Collections, Financial Planning, Finding or Making More Money, Health & Financial Fitness, Taxes, Financial Planning, collections, credit scores, Emergency Savings, Credit counseling / debt relief, budgeting / savings,
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