Hvordan virker en Gæld Management Program Work?


You deposit money each month with the credit counseling organization. The organization uses your deposits to pay your unsecured debts, like credit card bills, student loans, and medical bills, according to a payment schedule the counselor develops with you and your creditors. Dine kreditorer kan aftale at sænke din rente og give afkald på visse gebyrer, but check with all your creditors to be sure that they offer the concessions that a credit counseling organization describes to you.

En vellykket Gæld Management Plan (DMP) kræver, at du foretage regelmæssig, rettidig betaling, og kunne tage 48 måneder eller længere for at fuldføre. Ask the credit counselor to estimate how long it will take for you to complete the plan. Du kan også nødt til at aftale ikke at anvende for - eller bruge - enhver yderligere kredit, mens du deltager i planen.

Is a DMP Right For You?

In addition to the questions already listed, here are some other important ones to ask if you’re considering enrolling in a DMP.

Is a DMP the only option you can give me? Vil du give mig med den igangværende budgetlægning rådgivning, uanset om jeg tilmelde sig en DMP? Hvis en organisation kun tilbyder DMPS, find another credit counseling organization that also will help you create a budget and teach you money management skills.

Hvordan dit DMP arbejde? How will you make sure that all my creditors will be paid by the applicable due dates and in the correct billing cycle? If a DMP is appropriate, sign up for one that allows all your creditors to be paid before your payment due dates and within the correct billing cycle.

Hvordan er størrelsen af ​​min betaling bestemmes? Hvad hvis beløbet er mere end jeg har råd til? Don’t sign up for a DMP if you can’t afford the monthly payment.

How often can I get status reports on my accounts? Can I get access to my accounts online or by phone? Make sure that the organization you sign up with is willing to provide regular, detailed statements about your account.

Can you get my creditors to lower or eliminate interest and finance charges, eller give afkald sent gebyrer? Hvis ja, kontakte dine kreditorer til at kontrollere dette, and ask them how long you have to be on the plan before the benefits kick in.

What debts aren’t included in the DMP? This is important because you’ll have to pay those bills on your own.

Do I have to make any payments to my creditors before they will accept the proposed payment plan? Some creditors require a payment to the credit counselor before accepting you into a DMP. Hvis en kredit rådgiver fortæller dig det er så, call your creditors to verify this information before you send money to the credit counseling agency.

How will enrolling in a DMP affect my credit? Beware of any organization that tells you it can remove accurate negative information from your credit report. Legally, it can’t be done. Accurate negative information may stay on your credit report for up to seven years.

Can you get my creditors to “re-age” my accounts — that is, to make my accounts current? If so, how many payments will I have to make before my creditors will do so? Even if your accounts are “re-aged,"Negativ information fra tidligere restancer eller i forsinkede betalinger vil forblive på din kredit rapport.

Hvordan man laver en DMP arbejde for dig

The following steps will help you benefit from a DMP, and avoid falling further into debt.

Fortsæt med at betale dine regninger, før planen er blevet godkendt af dine kreditorer. If you stop making payments before your creditors have accepted you into a plan, you’ll face late fees, penalties, and negative entries on your credit report.

Kontakt dine kreditorer og bekræfter, at de har accepteret den foreslåede plan, før du sender nogen betalinger til kredit rådgivning organisation for din DMP.

Make sure the organization’s payment schedule allows your debts to be paid before they are due each month. Paying on time will help you avoid late fees and penalties. Call each of your creditors on the first of every month to make sure the agency has paid them on time.

Review monthly statements from your creditors to make sure they have received your payments.

Hvis din gæld forvaltningsplan afhænger af dine kreditorer enige om at sænke eller fjerne renter og finansieringsudgifter, eller give afkald sent gebyrer, make sure these concessions are reflected on your statements.