Debt Counseling Services

Debt - Budget Analysis

When a consumers debt outweighs their budget look to Debt Counseling Services for assistance and free information regarding our debt programs, and services.



The first portion of our service starts by creating an affordable repayment plan. This is done by performing a budget analysis to ensure the success of our clients enrollment.

Debt Counseling Services will thoroughly review your entire financial situation by asking for both your monthly budget allowance, and your total unsecured debt amount.

Debt Counseling Services will designate a sound payment plan that compliments your budget comfortably.

Consumers must understand that Debt Counseling Services are not for everyone. Additionally, our repayment plans are considered a hardship program which serves as an alternative to bankruptcy and may negatively affect your credit report until the program has been completed. When compared to bankruptcy our hardship program has minimal credit affects.

Before accepting a client, Debt Counseling Services must:

Determine your state of residence.

Calculate your total unsecured debt amount, and your budget allowance in order to determine your monthly payment, estimated time to pay off your debts, and the estimated total program savings.

Upon completing you initial enrollment consultation, one of our representative will forward your file to an underwriter for review. If accepted, congratulations you are one step closer to achieving your financial goals, and becoming debt free.

Quick Tips: The most important part of a Debt Consultation is the budget analysis, this is where your new payment is established (if agreed upon, of course).

Instant Quotes

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Debt Amount:
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