Budget Care

BudgetCare.org is dedicated to the financial success of all our clients. We commit to continually improve the value of our services by providing excellent customer service through reliable credit counseling, compliant payment processing and dependable customer support. This is not a loan or new line of credit. With our services you can pay significantly less, pay off your debt faster, make one affordable monthly payment, and build strong money management skills. Determining which plan is right for you really depends on your particular situation including the type of debt you have, your income and ability to make consistent payments, and what you agree is affordable. We will walk you through your choices so that you can understand which path works best for you.

Complete the form below for your Free Saving Analysis



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!


Tips for Financial Success

  • Spend less than you earn.
  • Cut up your credit cards.
  • Stop using credit cards to make it to the next paycheck.
  • Avoid eating out.
  • Don’t pay off your credit card balance from an emergency account.
  • Make a budget – Purpose every dollar
  • Be on the same page as your spouse or partner.
  • Create a realistic budget.
  • Examine your expenses and eliminate the unnecessary
  • Be patient.
  • Save up the money and buy it with cash.
  • Track your expenses
  • Think about your goals.
  • Put a note in your wallet with this text: “Do I really need this?”
  • See yourself as completely debt free. FREEDOM! What is that going feel like. Imagine it.


  • Financial Freedom is just a phone call away!
  • We can help reduce your credit card interest rates by as much as 90%.
  • Money back guarantee!
  • Call and speak with one of our Certified Credit Counselors for a free debt analysis.



What People Say

  • Credit is an 'I love debt' score.
    – Dave Ramsey
  • A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.
    – Suze Orman
  • The will to win, the desire to succeed, the urge to reach your full potential... these are the keys that will unlock the door to personal excellence.
    – Confucius
  • Most of the things we buy are wants. And we call them needs, but they're wants.
    – Dave Ramsey
  • The only way to permanently change the temperature in the room is to reset the thermostat. In the same way, the only way to change your level of financial success 'permanently' is to reset your financial thermostat. But it is your choice whether you choose to change.
    – T. Harv Eker
  • There are no shortcuts when it comes to getting out of debt.
    – Dave Ramsey
  • A budget tells us what we can't afford, but it doesn't keep us from buying it.
    – William Feather
  • There's a way to do it better - find it.
    – Thomas A. Edison
  • I believe that through knowledge and discipline, financial peace is possible for all of us.
    – Dave Ramsey
  • The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.
    – Suze Orman
  • We may encounter many defeats but we must not be defeated.
    – Maya Angelou
  • You can't be in debt and win. It doesn't work.
    – Dave Ramsey
  • Failure will never overtake me if my determination to succeed is strong enough.
    – Og Mandino

Budget Care