• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

National Debt Relief

National Debt Relief - A+ BBB Accredited Business - Get Relief From Credit Card Debt, Medical Bills And Unsecured Loans

Talk to a debt counselor toll free:

800-300-9550

Get Relief From Credit Card Debt

Medical Bills and Unsecured Loans

  • Apply Now
    • Qualifications
    • Is This Right For Me?
  • Proven Results
    • Debt Relief Benefits
    • Credit Card Debt Relief
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Login
HomeBlog Credit Card DebtCredit Management Programs
Video Transcript

Free Debt Consolidation Quote

By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
  • National Debt Relief, LLC BBB Business Review
  • McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Credit Management Programs

May 12, 2012 by Adam Tijerina

People who find themselves with credit problems can benefit from the services offered through credit management programs. When you allow debt relief experts to help you handle your monthly obligations, then you are taking the right steps toward financial freedom.
One of the reasons that people avoid seeking guidance from an experienced debt professional is because they do not understand how the process works. Once you become familiar with how these programs can help you, then you will start to see why so many people are enjoying their benefits.

Credit Management Begins With A Comprehensive Financial Analysis

A lack of organization can be one of the reasons why people get into financial problems. People take on so many credit cards that they lose the ability to keep track of the bills and maintain an efficient payment schedule.

A good credit management professional will help you to wade through the pile of credit card bills and create a comprehensive payment schedule. It is the first important step to getting your finances under control.

Check Your Spending Habits

People with bad credit or financial issues tend to develop bad spending habits. They will utilize their credit cards to the point where they spend all of their extra money on minimum payments. In order to buy things like food and gas, they have to use their revolving line of high interest credit.

A credit management professional will help you to develop a personal budget that will allow you to track your expenses and develop good spending habits. You will be able to see where all of your money is being spent and make the changes that will stop you from going deeper into debt.

Debt Settlement

As you and your financial expert are analyzing your debt, you will notice that you have debt that can be settled and reduced. A debt settlement program can reduce your unsecured debt by up to 50 percent and give you hundreds of dollars in extra money each month.

A debt settlement program will give you a low monthly payment that pays off your debt in 24 to 48 months. It not only helps you manage your debt, but it helps you to eliminate it as well.

Good Credit Management Tips

As part of a comprehensive credit management program, a credit counselor will also give you good advice. If you follow the advice of your credit manager, then you can start to rebuild your credit profile immediately.

Making Payments On Time

One of the most important parts of a credit management plan is to make all of your account payments on time. Paying your debt on time and making at least your monthly minimum payments each month, will lower your debt and raise your credit score.

Follow Your Plan

When you get into a credit management program, you will be given specific instructions on how much to pay and how to make your payments. Many people run into trouble with their debt relief plans because they fail to read the instructions.

Never take anything for granted when it comes to paying your debt off. Do not assume that you know what the process is. Always take the time to read your plan instructions and make the appropriate payments.

Rebuilding Your Credit

When you are on a debt settlement plan as part of your management program, you will find that your credit score rebounds quickly. You should take advantage of this opportunity to rebuild your credit as quickly as possible.

One of the best ways to rebuild your credit is to become responsible about how you use your accounts. Never carry a balance that is more than 20 percent of the total credit limit and avoid taking on too many new accounts.

Check In With Your Counselor

Some debt management plans require you to check in with your credit counselor on a regular basis. Whether it is required by your debt program or not, you should check in with your credit expert at least once a month to get good advice and go over your budget program.

When you make regular visits to your debt professional, he will be able to go over your progress with you and make sure that you stay on track.

We offer complete credit management programs that will help you to address your financial obligations and get your debt under control. We can give you a personalized and comprehensive financial analysis of your situation and put together a plan that fits your situation.

If you have questions about debt relief, then we have answers. Let us put our years of experience to work for you and put you on the path towards financial freedom.

Call us today and let our debt professionals get you started on your own plan that will help you eliminate debt in no time at all.

Do you qualify for debt consolidation?

Adam Tijerina
Adam Tijerina

Adam Tijerina is a personal finance expert for National Debt Relief, a BBB A+ accredited business offering debt settlement services since 2009. Adam knows a thing or two about debt resolution after successfully settling $43,250 in credit card debt on his own. He has also co-authored two books about overcoming adversity and has been featured on Credit.com and USNews.com. Adam holds a Bachelor’s Degree from Trinity University and lives in Texas with his wife and four children.

Follow Adam Tijerina: Linkedin

Primary Sidebar

Consolidate Your Debt!
Find out how NDR could help.
  • Get one low monthly payment
  • Avoid bankruptcy
  • Get out of debt in 24-48 months
Get Your Free evaluation
Free Debt Consolidation Quote
By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
 Trusted By Our Clients

"Review"

Helped and guided through very swiftly and understandable! Each call was helpful and each person had the sufficient amount of knowledge to help me with any questions I had. I would say the process was very easy and comforting. As someone who was nervous to try anything with my credit this company made fixing my credit easier than I could’ve imagined.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Ruby Perez
ConsumerAffairs Reviews

Latest Credit Card Debt Posts

  • 4 Debt Management Money Saving Experts To Make Sure You Follow
  • What Is Credit Card Churning And Should I Try It?
  • Help! I Am 5 Years From Retiring With Huge Credit Card Debt!
  • What Is the Best Credit Card Payoff Plan?
  • The Truth About Credit Card Debt In The US
National Debt Relief, LLC BBB Business Review AFCC Top Ten Reviews Gold Top Consumer Reviews Consumers Advocate Trust Pilot
Company
  • About Us
  • Contact Us
  • Blog
  • Careers
  • Corporate
  • Privacy Policies
  • Terms Of Site
  • Disclaimer
  • Sitemap
Products
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Debt Settlement
  • Calculators
  • FAQs
Debt Resources
  • Credit Card Debt
  • Medical Debt
  • Personal Loan Debt
  • Unemployment
  • Divorce Debt
  • Retiree Debt
  • Veteran Debt
  • Business Debt
  • Personal Finance
Follow Us
  • Facebook
  • Twitter
  • Linkedin
  • Instagram
  • Pinterest

© 2021, National Debt Relief, All Rights Reserved.

Disclaimer
Disclaimer
Disclaimer