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What are the benefits of a Debt Management Program?
Our Debt Management Program is focused on assisting you in regaining control of your finances, creating a household budget, and consolidating your debt into one monthly payment. We work with creditors to arrange for the benefits that creditors offer through participation in a debt management plan. Most creditors will provide benefits, which may include lower interest rates, stopping late and overlimit fees, and re-aging delinquent accounts to reflect a current status.


How does Nation Wide Consumer Debt Relief Inc., obtain lower payments?
Many of the major lending institutions and credit card companies have agreed to either reduce or eliminate an individual's interest charges and late fees. It should be of interest to you that we may be able to lower your monthly payments by as much as 50%.


Will you advise the credit bureaus that I am paying my bills through your agency?
No. We do not report to credit bureaus. However, your creditors may report that you are participating in our debt repayment program.


Do you loan money?
No. Nation Wide Consumer Debt Relief is not a lending institution. We work with creditors on your behalf to establish an affordable new payment arrangement, which may include benefits such as a reduced interest rate and no late/overlimit fees, allowing you to pay off your debt more quickly. We collect one monthly payment from you and disburse your payments to your respective creditors.


Will creditors continue to call me after I start the Debt Management Plan?
Creditors usually stop contacting our clients after they receive proposals for payment arrangements from Nation Wide Consumer Debt Relief. In some cases, creditors need more time to modify their collection activities. This is usually accomplished within sixty (60) days of the Plan's first payment. However, creditors still have the right to contact you. Should this happen, please do not negotiate with them. Instead, ask them to contact our agency or obtain their name and telephone number and advise your account manager.


Will you accept cash or a personal check?
Your monthly deposit must be deducted directly from you bank account or paid by money order or certified bank check.


What kinds of debt can be put in a Debt Management Program?
Our Debt Management Program can help you with unsecured debts such as credit cards, department store cards, medical bills, signature loans, and many collection accounts.