Credit Counseling & Debt Management
Right Start’s Credit Counseling/Debt Management Program offers you the tools and education to assist you in becoming free from your worrisome debt problems. You will consult with a debt advisor and receive education that will help you manage your finances more effectively. Our program will also help you pay off your debts through a Debt Management Plan (DMP), which will reduce your interest rates, consolidate your debt into a single monthly payment, and stop over-limit and late fees. By taking advantage of these services you will become debt-free in about one third the normal time, and you will have learned the skills that will help to keep you on the right track financially in the future.
Benefits of Credit Counseling/Debt Management
| •  Reduce your interest rates | •  Become debt-free |
| •  Get relief from collection calls | •  Receive financial counseling |
| •  Make one consolidated monthly payment | •  Protect your credit score |
| •  Stop late and over-limit fees | •  Avoid bankruptcy |
How Does Credit Counseling/Debt Management Work?
The Right Start Credit Counseling/Debt Management Program is one of the most effective solutions available for crippling unsecured debt problems. You will consult with one of our experienced debt advisors to discuss your current financial situation. They will conduct a detailed review of your income, expenses and debt (both secured and unsecured) to establish your financial hardship. You will receive a clear and candid explanation of the appropriate debt relief options available, and you will be given ample opportunity to have your concerns and questions answered by your debt advisor. After this process has been completed, you will receive a customized, written Action Plan that has been prepared especially for you.
Your debt advisor will formulate a budget of your living expenses and a payment plan for your debts along with you. If you decide to enroll in a Debt Management Plan (DMP), many creditors will also reduce your interest rates and stop charging over-limit and late fees based on your financial hardship. With these lower interest rates and a consolidated monthly payment, you will be on track to become debt-free in 60 months or less. You will continue to receive your monthly statements from your creditors, and you’ll be pleased to notice that, unlike before you entered the program, your balances will now be decreasing significantly. And by following your new budget plan, you will be on your way towards the ultimate goal of debt-free financial freedom.
Our number one goal is to ease the financial hardship caused by your debt and to get you on the road to a more prosperous financial future. Please complete and submit the online form on the right and we will get in contact with you. Or you can give us a call at 1-888-590-3939 and speak immediately with one of our experienced and friendly debt advisors.
How Do I Qualify for Credit Counseling/Debt Management?
In order to qualify for Right Start’s Credit Counseling/Debt Management Program:
- You must have at least $3,000 in total eligible unsecured debt
- No minimum number of accounts is required. You can qualify even if you have only one account.
- Your accounts can be current or late.
Eligible Debt:
| •  Credit cards | •  Gas cards |
| •  Collection accounts | •  Some credit union cards |
| •  Personal/Signature loans | • Medical (financed) |
| •  Department store cards |
Ineligible Debt:
| •  Mortgages | •  Student loans |
| •  Auto loans | •  Medical (not financed) |
To determine full eligibility, please fill out the online form on the right or call us at 1-888-590-3939, and a debt advisor will determine the best solution to relieve your debt problem.
Why Choose Right Start LLC for Credit Counseling/Debt Management?
Right Start LLC has experienced, skilled and friendly debt advisors ready to work with you. Our top priority is to find an effective program that is right for you.  Upon enrollment, you will be assigned a personal debt advisor, who will be dedicated to developing a debt solution customized for your specific financial situation. We’ll put you on the right path to debt relief and help you achieve true financial freedom.
Credit Counseling/Debt Management Education
For additional information, please read these helpful credit counseling and debt management articles:
How Consumer Credit Counseling Services Work
What is a Debt Management Plan?
