Kijan Pwogram Yon jesyon dèt Travay?


Ou depoze lajan chak mwa ak òganizasyon an oryantasyon pou kredi. Òganizasyon an sèvi ak depo ou a peye dèt garanti ou, tankou bòdwo kat kredi, prè etidyan, ak bòdwo medikal, dapre yon orè peman konseye a devlope avèk ou ak kreditè ou. Kreditè ou a gen dwa dakò pi ba to enterè ou ak renonse frè sèten, men tcheke avèk tout kreditè ou a asire w ke yo ke yo ofri konsesyon yo ki yon òganizasyon oryantasyon pou kredi dekri ba ou.

Yon Plan pou jesyon dèt siksè (Dan) mande pou ou fè regilye, peman alè, li kapab pran 48 mwa oswa plis ranpli. Mande konseye a kredi yo estime konbyen tan li pral pran pou ou pou w ranpli plan an. Ou ka gen tou dakò pa pou aplike pou - oswa itilize - nenpòt kredi adisyonèl pandan w ap patisipe nan plan an.

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? Will you provide me with on-going budgeting advice, regardless of whether I enroll in a DMP? If an organization offers only DMPs, find another credit counseling organization that also will help you create a budget and teach you money management skills.

Ki jan fè travay dan ou? Kijan ou pral asire w ke tout kreditè mwen yo pral peye pa dat yo aplikab akòz ak nan sik la voye bòdwo kòrèk? Si yon dan ki apwopriye, enskri pou youn ki pèmèt tout kreditè ou a, ki dwe peye anvan peman ou dat akòz ak nan sik la voye bòdwo kòrèk.

How is the amount of my payment determined? What if the amount is more than I can afford? 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, or waive late fees? If yes, contact your creditors to verify this, epi mande yo konbyen tan ou gen yo dwe sou plan an anvan benefis yo choute nan.

Ki sa ki dèt pa enkli nan dan an? 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. If a credit counselor tells you this is so, 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,” negative information from past delinquencies or late payments will remain on your credit report.

How to Make a DMP Work for You

Etap sa yo ap ede ou benefisye de yon dan, , epi evite tonbe pli lwen nan dèt.

Kontinye yo peye bòdwo ou jiskaske plan an te apwouve pa kreditè ou. If you stop making payments before your creditors have accepted you into a plan, you’ll face late fees, penalties, ak antre negatif sou rapò kredi ou.

Contact your creditors and confirm that they have accepted the proposed plan before you send any payments to the credit counseling organization for your DMP.

Asire w ke orè òganizasyon an peman pèmèt dèt ou yo pral peye yo anvan yo yo akòz chak mwa. Peye sou tan ap ede ou evite frè an reta ak penalite. 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.

Si plan jesyon dèt ou depann sou kreditè ou dakò pou diminye oswa pou elimine enterè ak finans chaj, or waive late fees, asire w ke konsesyon sa yo ki reflete sou deklarasyon ou.