Who qualifies for a Debt Management or Debt Consolidation Program? Anyone who has $5000 or more in unsecured debt (credit cards, personal loans, etc.), 18 years or older, and currently employed. What kind of debts does Debt Management or Debt Consolidation help with? Debt Management or Debt Consolidation help with unsecured debts such as credit cards, personal loans, medical bills, utility bills, etc. They do not consolidate car loans or home mortgages. They work only with debt that is not backed by an asset. Will a Debt Management or Debt Consolidation Program stop collection calls? Collection calls typically stop once the creditor starts receiving payments through a debt management or debt consolidation agency. Is a Debt Management or Debt Consolidation Program the same thing as filing bankruptcy? Bankruptcy is a proceeding in a federal court in which the assets of an individual experiencing financial difficulty are sold, and the individual is relieved of further liability to their creditors. In addition, bankruptcy will stay on your credit report for seven to ten years and greatly hinder your ability to obtain new credit. A Debt Management or Debt Consolidation Program is an actual repayment of the debt. What if I'm behind or not paying my bills, can I still apply? YES! Debt Management or Debt Consolidation Programs are designed exactly for this situation. They work with you and your creditors to create an affordable and manageable budget. How do I get started? Complete our simple sign up form. Once your application is submitted, you will be contacted by a debt professional within 24 hours. Once you are contacted, you can ask any further questions and decide if the program is right for you.