どのように債務管理プログラムの仕事していますか?


あなたは、クレジットカウンセリング機関で、毎月入金. 組織はあなたの無担保債務を支払うために、あなたの預金を使用しています, クレジットカードの請求書のような, 学生ローン, および医療費, according to a payment schedule the counselor develops with you and your creditors. あなたの債権者は、あなたの金利を下げることに同意するものとし、一定の手数料を放棄することができる, しかし、クレジットカウンセリング機関があなたに説明していることを、彼らは譲歩を提供することを確認するために、すべての債権者に確認してください.

A successful Debt Management Plan (DMP) requires you to make regular, timely payments, and could take 48 months or longer to complete. Ask the credit counselor to estimate how long it will take for you to complete the plan. You also may have to agree not to apply for — or use — any additional credit while you’re participating in the plan.

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? あなたは、進行中の予算編成のアドバイスを私に提供します, にかかわらず、私は、DMPに入学するかどうかの? 組織は、唯一のDMPを提供していた場合, find another credit counseling organization that also will help you create a budget and teach you money management skills.

あなたのDMPの仕事はどのように行います? 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, すべての債権者があなたの支払期日前に支払われることを可能にする1のために、正しい請求期間内に申し込む.

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, 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? あなたが自分でそれらの手形を支払う必要がありますので、これは重要です.

Do I have to make any payments to my creditors before they will accept the proposed payment plan? 一部の債権者は、DMPにあなたを受け入れる前に、クレジットカウンセラーへの支払いが必要. クレジットカウンセラーがあなたを言われたなら、これはそうである, 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.

あなたは「再時代「私の口座に私の債権者を得ることができます - つまり、, 私のアカウントは現在作る? もしそうなら, 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

次の手順は、DMPの恩恵を受けるのに役立ちます, そして借金をさらに陥るのを避ける.

Continue to pay your bills until the plan has been approved by your creditors. あなたの債権者が計画にあなたを受け入れて前に支払いを行う停止した場合, あなたが延滞料に直面するだろう, 罰則, and negative entries on your credit report.

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.

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. 必ず機関が時間通りにそれらを支払ったように、毎月第一に、あなたの債権者のそれぞれを呼び出す.

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

あなたの債務管理計画は、金利および金融費用を下げる​​か、解消することに合意、あなたの債権者に依存している場合, or waive late fees, make sure these concessions are reflected on your statements.