NON-PROFIT DEBT RELIEF
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Talk with a Certified Credit Counselor at:
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Golden State Debt Management (GSDM) is 501(c)3 Non- Profit Organization with an A++ Better Business Bureau Rating established to assist individuals and families, of all backgrounds and income levels, to become and remain debt free.
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HERE IS HOW WE CAN HELP
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Lower your interest rates
Reduce monthly payments
Consolidate bills into one low monthly payment
Save you $1000s
Stop late & over the limit fees
Build a realistic financial plan you can follow
Reduce monthly payments
Consolidate bills into one low monthly payment
Save you $1000s
Stop late & over the limit fees
Build a realistic financial plan you can follow
CHECK OUT OUR VIDEO TO LEARN HOW A DEBT MANAGEMENT PLAN WORKS
3 EASY STEPS
STEP 1.You need to have at least $3000 of credit card debt and/or unsecure debt i.e. medical bills, payday loans
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STEP 2.You need to have the ability to pay your monthly payment which includes the low monthly fee
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STEP 3.Depending on your debt, you will debt free in an estimated 3-5 years.
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Need More Information?
Call our Certified Credit Counselors at
Call our Certified Credit Counselors at
A fully implemented Consumer Debt Management Program provides the following benefits:
Consolidated Unsecured Debt
Consolidates your credit cards, personal loans and other unsecured debts into one monthly payment.
Lowers Monthly Payments
Reduces the monthly payments on most credit cards, personal loans and other unsecured debts by up to 50%.
Lowers Interest Rates
Reduces most credit card interest rates to under 10%. Some creditors will reduce the interest rate down to 0%. A few creditors will not reduce the interest rate, but will accept lower payments.
Stops Late and Over-limit Fees
Stops late and over-the-limit fees on credit cards, personal loans, and other unsecured debts once they are formally enrolled in the Debt Management Program.
Prevents Delinquent Account Reporting
After three consecutive monthly payments in the Debt Management Program, most creditors will adjust the standing of past due accounts, from a "delinquent status" to a "current status". This program benefit allows consumers who are behind in their monthly payments, and not able to send extra funds, to stop the negative reporting of delinquent accounts to the credit bureaus.
Helps Avoid the Collections Account Process
Some seriously delinquents accounts can be prevented from being transferred to in-house collections departments or sold to third-party collection agencies, once they are enrolled in the Debt Management Program. Sometimes seriously delinquents accounts, which have already been forwarded to thirty-party collectors, can be "recalled," and set-up on a payment plan in the Debt Management Program.
Helps Avoid Bankruptcy
This program is often the best alternative for people who are thinking of filing bankruptcy. Our program helps many consumers avoid the hassle and expense of having to file for bankruptcy. A bankruptcy listing remains on a credit report for up to ten (10) years.
Stops Collection Calls
Most creditors will stop the harassment calls and threatening letters, within a couple months or less, of successfully entering the Debt Management Program.
A Structured Debt Elimination Plan
This program is often the best debt elimination solution, allowing consumers to regain control of their financial situation by becoming debt free in average for 4.5 years or less, instead of 20 years or more.
Consolidated Unsecured Debt
Consolidates your credit cards, personal loans and other unsecured debts into one monthly payment.
Lowers Monthly Payments
Reduces the monthly payments on most credit cards, personal loans and other unsecured debts by up to 50%.
Lowers Interest Rates
Reduces most credit card interest rates to under 10%. Some creditors will reduce the interest rate down to 0%. A few creditors will not reduce the interest rate, but will accept lower payments.
Stops Late and Over-limit Fees
Stops late and over-the-limit fees on credit cards, personal loans, and other unsecured debts once they are formally enrolled in the Debt Management Program.
Prevents Delinquent Account Reporting
After three consecutive monthly payments in the Debt Management Program, most creditors will adjust the standing of past due accounts, from a "delinquent status" to a "current status". This program benefit allows consumers who are behind in their monthly payments, and not able to send extra funds, to stop the negative reporting of delinquent accounts to the credit bureaus.
Helps Avoid the Collections Account Process
Some seriously delinquents accounts can be prevented from being transferred to in-house collections departments or sold to third-party collection agencies, once they are enrolled in the Debt Management Program. Sometimes seriously delinquents accounts, which have already been forwarded to thirty-party collectors, can be "recalled," and set-up on a payment plan in the Debt Management Program.
Helps Avoid Bankruptcy
This program is often the best alternative for people who are thinking of filing bankruptcy. Our program helps many consumers avoid the hassle and expense of having to file for bankruptcy. A bankruptcy listing remains on a credit report for up to ten (10) years.
Stops Collection Calls
Most creditors will stop the harassment calls and threatening letters, within a couple months or less, of successfully entering the Debt Management Program.
A Structured Debt Elimination Plan
This program is often the best debt elimination solution, allowing consumers to regain control of their financial situation by becoming debt free in average for 4.5 years or less, instead of 20 years or more.
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