Credit Debt Management Plans

Our NFCC-approved debt management plans can include concessions from creditors such as: lowered and/or waived fees, lowered interest rates, re-aged credit accounts, and more.

Debt Management Plans from an Industry Leader

Debt Management PlansSpringboard is a leader in the consumer credit counseling service industry. Over the years, the majority of our clients benefit from credit debt counseling alone. Our clients pay nothing for credit debt counseling, which includes comprehensive financial education and household budgeting assistance. All counseling sessions are confidential and comprehensive. At Springboard, our counseling goal is to help our clients self-administer their own debt repayment plans by teaching them sound money management principles and helping them create a livable, realistic budget that allows them to meet all of their financial obligations. We've helped over 1 million consumers nationwide since 1974.

Once our clients have completed their credit debt counseling session, we present them with additional options for further assistance. If we deem a client a good fit, we can enroll them into a debt management plan. Our debt management plans come with concessions from creditors in the form of lowered and/or waived fees, lowered interest rates, re-aged credit accounts, and more benefits.

Nonprofit credit debt counseling is good for everyone (it's confidential, comprehensive and free). You can get started right away without any obligation or risk. After your counseling session, if you want us to consolidate your credit card payments into one manageable monthly payment (without taking out a loan or putting your home at risk) we can further assist you. If our certified credit counselors determine that you are a good candidate for a debt management plan, you may benefit from lowered interest rates, waived late and over limit fees, and your delinquent accounts brought current. We will counsel you on your options and you get to make the final decision.

Talk to a credit counselor and determine if you qualify for a Debt Management Plan. Scroll down to continue reading more about our credit debt management services.

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Our Debt Management Plans And Your Credit Score

Debt Management Plans Approved by Credit Bureaus

Rebuild a Responsible Credit History with Springboard

After 90 days on a Debt Management Plan, your creditors may re-age past due credit card accounts. In other words, you will be brought current. Having overdue debt payments are a big detriment to your credit rating and score.

Because of the way FICO calculates credit scores, it is possible for your score to temporarily drop when first starting on a Debt Management Plan. This is due to the credit lines being closed and now there is no available credit. However, after a few years of making consistent debt payments on your plan, you will have demonstrated a good payment history along with your credit lines paid down from their maximums and your credit report will reflect that.

Our Debt Management Plans Benefit Individuals and Families

Household Family Budget Plan

Free Household Budgeting Assistance

We will help you create a household budget you can live with -- our free personal finance educational materials and seminars will teach you how to budget your paycheck, understand your credit report, and more.

Money Management Plan

Cash Money Management Program

We will teach you how to live on a cash basis -- so you and your family don't face mounting credit card debt problems again in the future. Our clients walk away empowered with the personal finance knowledge required to manage their money, save their money and spend their money wiser.

Personal Savings Plan

Emergency Personal Savings Fund

We will assist you with starting a crucial emergency savings fund for your household -- having "just-in-case" money set aside will help you weather future emergencies without jeopardizing your personal finances. The hardest part is taking the first step and our nonprofit credit counselors will help you start strong.

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Better Business Bureau (BBB) Accredited Certified by the U.S. Department of HUD Accredited by the Council on Accreditation (COA) Recognized by the National Foundation for Credit Counseling (NFCC) Consumer Credit Counseling Service (CCCS) Financial Counseling Association of America (FCAA) Homeownership Preservation Foundation (HPF) HOPE Now
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