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Indie Artist Management: Economic Realities & Insightful Strategies
Three personal managers of independent artists outline pathways for success in an increasingly competitive marketplace - a Los Angeles Music Network program, reported by Scott G (The G-Man). "An artist's music must be something I love," stated...
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Increase your motivation to improve your time management. Provide yourself with more time for family, fun and recreation. Transposing your success of managing your business activities over to your non-business life can reap surprising rewards. ...
Time Management - How to Have Productive Meetings
One of the greatest time wasters of all are unnecessary or poorly run meetings. If you want to dramatically improve your time management skills, then learn how to have productive meetings. "Brian" is the Operations Manager in a large...
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Call center management software is becoming increasingly popular, even with businesses that have only a few workers. More often called "contact centers," call center management software has the ability to control and handle the many different...
 
Debt Management Plans - How They Can Help You Get Out Of Debt

Debt management plans (DMP) consolidate your short term debts into one monthly payment. They also negotiate lower interest rates, enabling you to pay off your accounts usually in less than five years. Before you sign up with one of these companies, you want to investigate them to be sure they are legitimate.

Services Offered

A DMP company, also called debt consolidation, handles the accounting side of your bills. They work with your lenders to lower interest rates, pay your accounts, and then close accounts when appropriate.

DMP are for short term debt, like credit cards and bills. They cannot reduce student or mortgage rates. However, you can reduce rates on these types of loans by refinancing them on your own.

With a DBP company, all you do is make one payment to them and provide your financial information. Part of your monthly payment will include a small fee for each account handled by the debt consolidation company.

Questions To Ask

Before you submit your financial information to a DMP, investigate the company. One important question to ask is how long will it take to pay off your accounts. A reputable company will ask for lenders' names and account


balances, but not account numbers to make an estimate.

They will then give you a specific date for each account. Since you have varying account balances, each account will have a different date. You should also know that rates are predetermined by creditors, so all DMP companies will get you the same low rate.

You should also ask about fees. Most companies charge a small fee for each account handled. Companies that require a large fee up front that is refundable in part are banking on the fact that most people do not follow through with these plans.

Other Credit Services

If you are not sure debt consolidation is for you, sign up for credit counseling. Through an appointment over the phone, internet, or in-person, you can work with a counselor to come up with a financial plan for debt payment. They may suggest a DMP or consolidation your credit into one loan, usually a second mortgage.

About the author:

See my recommended Debt Management companies online. Carrie Reeder is the owner of ABC Loan Guide, which offers help with loans for people with low credit scores.

 

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