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123Debt.com
Our debt management program is the safest and easiest way for consumers to become debt free. We work exclusively with approved non-profit credit counseling agencies to secure you the best possible interest rates and lowest monthly payments. Our credit counseling companies currently help over 1 million consumers repay their unsecured debt while saving thousands of dollars in unnecessary interest fees.
We can help consumers, whether past due or current with expenses, design a payment plan that is right for them. We can consolidate all your unsecured debt such as credit cards, medical bills unsecured loans, and student loans into one lower monthly payment.

Center For Debt Management
The Center For Debt Management™ has
served the online community since 1992 and
has provided debt relief to tens of thousands of individuals. We specialize in debt settlements, debt consolidation through debt management, consumer credit counseling, and other debt reduction programs and financial services.

Debt Management
There are numerous types of debt obligations. They include loans, bonds, mortgages, promissory notes, and debentures. It is very common to borrow large sums for major purchases, such as a mortgage, and pay it back with an agreed premium interest rate over time, or all at once at a later date. The amount of money outstanding is usually called a debt. The debt will increase through time if it is not repaid faster than it grows. In some systems of economics this effect is termed usury, in others, the term "usury" refers only to an excessive rate of interest, in excess of a reasonable profit for the risk accepted.
Large organizations can break their debt into many small units of debt, known as bonds. Each bond entitles the holder to the remaining repayments on that unit of debt. Bonds can be traded during the repayment period, and so ownership of the debt is seen as a form of investment.
Because bonds are traded on the bond market, they have a fluctuating price. This implies that the overall debt represented by the total number of any particular type of bond also has a fluctuating price.  

Debt Management
Debt Management is an informal process of negotiation with unsecured creditors to obtain a reduction in the repayment amount and / or a reduction in interest charges. The negotiation involves providing proof to the creditor that the individual is unable to meet all their contractual liabilities.
Debt Management helps you repay an amount which is affordable to you. Depending on your circumstances, we may be able to enter you into a separate process so that you can pay back less than the original amount owed, but still clear all your debts.

Debt Management Strategies
A common pattern of personal finances is to borrow until payments are too much to pay; consolidate; borrow and consolidate repeatedly until consolidations are no longer an option; refinance until every penny of equity is consumed; work well beyond retirement age until gainful employment is no longer a option, and eek out an existence for the balance of life in financial calamity on Social Security and possibly a pension, without savings but with rent payments or home equity loan payments, being freed at last from creditors by the sweet release of death.
A far more pleasant, beautiful, and appealing option is debt management—gaining financial freedom and living . . . living free. As Benjamin Franklin said, “Think what you do when you run in debt; you give to another power over your liberty.” The reward for debt management is freedom, freedom to do with your life what YOU want, not what your creditors demand. Debt management can divert tens of thousands or hundreds of thousands of dollars away from the cost of interest and loan fees and direct that money instead to peace of mind, peaceful sleep, peace from creditors, more of all the stuff that was bought with other's money but without the costs of borrowing, education for self or children, freedom of choice, dignified retirement, and more. Debt management can deliver the reality of your dreams and aspirations.

Debt Management
We have debt consolidation and debt management counselors on staff that have been certified by the National Institute for Financial Counseling Education to assure effective debt management and the proper handling of your account.

Springboard - Non-Profit Consumer Credit Management
Springboard® is a non-profit consumer credit management organization formed in 1974 by local business leaders and credit grantors. Our mission is simple: To offer education on the wise use of credit. 

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