Our debt management plan allows you to include unsecured debt such as credit cards, department store cards, personal loans, past due medical bills, past due utility bills and IRS bills. ANH then negotiates with creditors to lower interest rates. We then consolidate all bills into one easy monthly payment and often times reduce monthly payments up to 50%. Then you make one affordable monthly payment to ANH, which we then disburse to your creditors. Regardless of financial status, everyone can benefit from A New Horizon's ability to get interest rates lowered or eliminated. We help you to avoid bankruptcy, improve your credit, and stop harassing calls from your creditors. As a member, you will be provided with a personal, professional counselor who is experienced and empathetic when it comes to understanding your financial circumstances; ANH counselors are trained to establish a financial plan that will meet your needs. No hidden fees. Pay off debt quickly. Improve credit ratings. Dramatically lower interest rates. No waiting period to get started. No minimum financial requirements. 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 debt.