How We Help

The steps involved in receiving help are as follows:

1. Schedule an Appointment

We offer office, phone, and zoom appointments. During your appointment, we'll review your debt and monthly budget to help identify solutions for improving your financial situation

2. Budget and Debt Counseling Session

With you, our credit counselors will analyze your current income and living expenses. Your debts will then be examined and possible solutions to your problems presented to you. Together we will work out a budget to fit your needs and goals. Again, all credit counseling is free and confidential.

Let Our Professional Credit Counselors:

• Help you learn better money management skills.
• Find solutions to your current financial problems.
• Determine your bankruptcy alternatives.
• Develop, for you, a personalized debt consolidation program.

3. Debt Relief

The goal of our counseling sessions is to help you find the best solutions to your financial problems. In many cases, our professional advice may be all that you need in order to get a handle on your situation, and take control of your debt or spending habits. For some who may be considering bankruptcy, our impartial advice may help them re-affirm that decision. And finally, our debt consolidation and repayment programs are a great way for many to pay off their debt, according to their means, in a reasonable time frame.

How the Debt Management Plan Works

A Debt Management Plan (DMP) is a structured repayment program designed to help individuals pay off unsecured debts, such as credit cards, collection accounts and unsecured debt, in an organized and manageable way. Through a DMP, Consumer Credit of Des Moines negotiates with your creditors to reduce monthly payments, lower or eliminate interest rates, and stop late fees or collection calls. You make a single monthly payment to the agency, which distributes the funds to your creditors on your behalf. This plan simplifies debt repayment, offers financial relief, and helps you regain control of your finances without borrowing more money. Since most creditors realize the importance of allowing their customers to pay their obligations in a consistent, honorable and possible manner, they are usually quite willing to participate in these programs.  

Benefits may include:

• Reductions in minimum payments.
• Reduced or eliminated interest rates.
• Elimination of late or over limit fees.
• Re-aging of accounts (a creditor considering your account current).
• Elimination of collection calls.

Call now for your FREE no obligation consultation 800-955-5765