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A Debt Management Program Must Do List

Once enrolled into a debt management program, your job doesn't end just because a credit counseling agency has agreed to pay your bills on your behalf. You need to be aware of what is happening with your accounts and you want to make sure that the agency fulfills its promises to you. Additionally, it is your responsibility to monitor your program to ensure accuracy and to be sure you are receiving the benefits of being on a debt management program. Enlisting a credit counseling organization to help you with your debt problems is a great way of finding financial relief for you and your family, but being proactive during your financial recovery process is your best course of action. In any debt management program, it is important to:

  • Always be sure you make regular and timely payments to the agency;
  • Contact the agency with any contact information changes;
  • Continue to monitor your monthly statements each and every month for accuracy. If you notice any discrepancies, you should notify the agency immediately;
  • If you are unable to make a scheduled payment, contact the agency immediately to discuss options;
  • If you find that the agency has neglected to make your payments to your creditors, contact the agency immediately.



American Consumer Credit Counseling (ACCC) offers nonprofit credit counseling and debt relief programs for consumers nationwide who find themselves drowning in debt and wondering "How do I get out of debt?" Our certified credit counselors have helped thousands of individuals and families learn how to reduce credit card debt and get out of debt through a variety of credit reduction strategies. Our credit card debt consolidation and debt management plans help achieve credit card relief by consolidating credit cards payments to pay credit card debt down more quickly. We also offer bankruptcy counseling, housing counseling and other financial education services.

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