Debt management and consolidation Program

Our credit counseling services help you evaluate your financial situation and provide you with comprehensive review of your income assets and expenses, including unsecured debts such as credit cards, department store cards, personal loans, past due medical bills, past due utility bills and IRS bills.

Certified credit counselors provide personalized service as well as alternatives based upon needs which include agency referrals, educational materials, and an ancillary Debt Cosnolidation and Management Plan.

If a Debt Management Plan is your best option, you will be provided with a personal, professional counselor who is experienced and empathetic when it comes to understanding your financial circumstances; A New Horizon counselors are trained to establish a financial plan that will meet your needs.

Other benefits of our Debt Management Plan Include:

• No hidden fees
• Most creditor guidelines provide for lower interest rates
• No waiting period to get started
• $100 minimum balance required per account
• We can develop a sensible budget for you that you can live with.
• We will not terminate you from the plan if you are unable to fulfill established payment terms. Once we are notified, we work to further identify a plan that will accurately reflect your ability to pay off your credit card debt.