Budget Care

Debt Management Plan (DMP)

If you are struggling to keep up with your monthly credit card payments or have high interest rates, a Debt Management Plan (DMP) with BudgetCare.org can help. We consolidate all of your unsecured debt into a single monthly payment. We have pre-negotiate rates with the creditors to improve repayment terms; such as lower interest rates and waived late/over-limit fees which can save you significantly each month.

Our Debt Management Plan is offered in most states and contains comprehensive debt counseling from Certified Credit Counselors, superior customer service, and reliable technical proficiency. When you successfully complete our plan, you will have paid off all of the unsecured debts enrolled in the plan, and be equipped with the necessary knowledge to independently manage your finances.

Debt Management Plan


How it works

Please review the following program example:
Number of
Months Making Minimum Payments
Credit Card Balance of $15,000 at 16% Compound Interest
Rate After Making Minimum Payments
Credit Card Balance of $15,000 with DMP at
0-12% Interest Rate With Similar or Lower Minimum Payments
12 Months $14,700 $12,000
24 Months $14,400 $ 8,000
36 Months $14,100 $ 4,000
48 Months $13,800 $0 - No Debt
Result 20 years left to pay with your current situation Debt Free with an improved credit score!

All figures are approximate and rounded to the nearest dollar


Reduce Interest RatesReduce Interest Rates

Convert your high compound interest rate to a lower fixed rate!

Consolidate DebtConsolidate Debt

Pay fewer bills by consolidating your unsecured debt into one low monthly payment!

Payoff DebtBe Debt Free in 4 Years

Payoff your debt faster with low fixed interest rates and payments!