Specialties
We Can Do it All
America Debt Resolutions is an A+ rated company, and its debt relief partners specialize in helping consumers review multiple debt relief options, including credit card debt consolidation, debt management, and credit counseling. We also offer a debt settlement program with no fees paid in advance.
We guarantee that you will not pay any fees for our services until our negotiators have successfully settled or resolved a debt on your behalf.
Important information you should know.
DEBT MANAGEMENT
A Debt Management Program (DMP) may be a suitable option for individuals who are consistently able to make their minimum payments, have an emergency fund for their household, and do not rely on credit cards to cover monthly living expenses.
A DMP is a form of credit counseling designed for individuals struggling with credit card debt. Credit counseling agencies help review your financial situation, determine an affordable monthly payment, and may negotiate with creditors on your behalf to create a structured repayment plan.
Many credit counseling organizations operate within the private sector, and DMPs may offer a lower-cost alternative to managing multiple credit card payments individually.
In a Debt Management Program, negotiations may result in lower monthly payments or extended repayment terms, depending on what is needed to make your payments affordable.
Instead of paying your creditors directly, you make a single monthly payment to the debt management agency. The agency then distributes the funds to your creditors according to the agreed-upon plan.
The debt management program allows you to:
Get out of debt much faster
Reduce your interest rates
Alternative to bankruptcy*
Help with Collection/Creditor Calls
A Debt Management Program may offer several potential benefits, including lower interest rates, reduced monthly payments, and the possibility of waived penalty fees and other charges.
Most importantly, creditors will work through the debt management agency rather than contacting you directly, helping reduce collection calls and making it easier to manage your repayment plan in one place.