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Take Charge America

Debt Management

How Debt Management Can Help You Save Money While Getting Out of Debt
  • Faster Debt Repayment: Reduce the time required to pay off your credit card debt.
  • Lower Interest Rates: Save money by reducing the amount of interest paid.
  • Ongoing Financial Education: Learn effective spending habits and budgeting techniques.
  • Debt Management Skills: Gain tools to manage debt and build savings for the future.
Struggling with debt? Get free expert Help today.







    How Debt Management
    Works

    Debt management is designed to simplify the repayment process and remove common burdens to overcoming debt. Most creditors provide better repayment terms for people on debt management plans.

    You may experience perks like

    Overall lower monthly payment

    Reduced interest rates

    Waived late and over-limit fees

    An end to collection calls

    3-5 year debt repayment average

    Customization payment date

    How Credit Counseling Works

    Overcome Your Financial Challenges

    During your credit counseling session, we review the current state of your finances to determine your best path forward. There are multiple options, so what works for your friend, neighbor or co-worker may not be the best solution for you. We remove the complexity and provide you with straightforward solutions. The process is smoother and faster if you have financial documents on hand, but you can get started without them..

    01

    Gather Your Information

    Compile details of your income and expenses to get started

    02

    Start Your Session

    Start the process online or call us at 866-528-0588 from...

    03

    Get a Financial Review

    We will analyze your financial situation to determine your...

    04

    Receive Your Personalized Plan

    You will receive a free credit report summary, customized budget, educational...

    Frequently Asked Questions About Debt Management

    A debt management plan is not reported to credit bureaus and does not factor into a credit score. However, your score may initially dip when you close your credit cards. Although people in the program typically see their score increase when they make regular payments on time, the plan is not intended to preserve or improve your credit score, credit history or credit record. If your accounts are past due before you enroll in a debt management plan or become past due after you enroll, your credit history may be negatively affected, and/or your creditors may charge off the accounts. Other debt relief options, such as debt settlement and bankruptcy, negatively impact your credit score.

    No, your credit score is not a factor in determining whether a debt management plan is right for you.

    Start YourFreeCredit Counseling Session

    You can regain control of your money and peace of mind.

    • Available online 24/7
    • Save your progress & return later
    • Easy process with clear instructions
    • Download credit report summary

    Need Help? Call Us
    Monday – Friday, 6 AM – 6 PM MST
    866-528-0588

    EACH YEAR, Thousands Trust TCA to Eliminate Credit Card Debt and Regain Financial Freedom

    Testimonial

    Empowering Millions to Achieve Financial Freedom

    Need Help? Contact Us

    Have questions or need support? Our team is here to assist you.

    Call Us

    877-357-6309

    Email Us

    info@takechargeamerica.org
    Contact Us

    Copyright © 2025 Take Charge America. All Rights Reserved.

    Take Charge America, Inc. is NOT A LOAN COMPANY. We do not lend money.