Golden State Debt Management
  • Home
  • Debt Relief Programs
  • Resources
    • Client Login
    • Inspiring Reviews
    • FAQ
    • Blog
  • Español
Picture
non profit debt relief
discover your options  

Talk with a Certified Credit Counselor at:​

844-872-9043

Debt Management Plan Benefits 
What is a Debt Management Plan?
  • Lower interest rates
  • Reduce your monthly payment
  • Consolidate bills into one low monthly payment
  • Save $1000's 
  • Stop late and over the limit fees
  • Build a realistic financial plan you can follow  
A debt management plan (DMP) is a program to get you out of debt in an estimated 3-5 years.  Our credit counselors negotiate lower interest rates for you credit cards, lowering your payments, and dramatically reducing the years it would take you to pay back your debts.  Enrolling in the program will stop harassing collection calls, and halt late or over the limit fees. We create one low monthly payment and distribute it among your creditors to pay off your debts quickly.  Free debt analysis for qualification. 

    Fill out our Free Debt Analysis Form

    Let us know the best time to get in contact with you. Select a time slot and one of our agents will call you during that time.
Submit Debt Analysis
We value your privacy. By submitting this form, you consent to receive a call,from a specialist who may utilize auto-dial technology to contact you, even if the number you provided is on a do not call registry. Your consent is not a condition to purchase any product or service. Your specialist will listen to you, understand your current situation, and provide your consultation at no obligation.
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.

How it works - 3 easy steps

Picture
​You need to have at least $3000 of credit card debt and/or unsecure debt i.e. medical bills, payday loans
Picture
​You need to have the ability to pay your monthly payment which includes the low monthly fee
Picture
Depending on your debt, you will debt free in an estimated 3-5 years. ​
We also help you create a personalize budget, within your means and provide ongoing financial support and education. 
CHECK OUT OUR VIDEO TO LEARN HOW A DEBT MANAGEMENT PLAN WORKS
Have a question? Ask a Certified Credit Counselor.

844-872-9043

Credit Card Calculator

Calculate how much your credit cards are really costing you
Current Balance


 


Total Time:  
Total Payments:  
Total Interest:  

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.
​​​
financial counselor - debit consolodation
 New Clients: 844-249-2366
Existing Clients: 800-397-1302
​Fax : 800-398-9317
Accredited Non-Profit Credit Counseling Agency
23868 Hawthorne, Suite 201 Torrance, CA 90505
Privacy Policy
  • Home
  • Debt Relief Programs
  • Resources
    • Client Login
    • Inspiring Reviews
    • FAQ
    • Blog
  • Español