http://www.debt-free-debt-consolidation.com/debt-management/debt-management-solutions/ Debt management solutions reduce payments and interest rates. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 debt management solutions can reduce your credit card payments up to 57%! debt management solutions can cut those credit card interest rates in half! debt management solutions mean an end to harassing creditor phone calls! Helpful debt management solution Many consumers are seeking solutions to their credit card debt problems. Luckily debt management credit counseling exists for consumers like you. When you retain a debt management service they will negotiate with your creditors to reduce your monthly payment by as much as 57%! And not only will this free up a lot of cash for you each month, but you will save time as well! You need only write one check each month to your debt management company rather than having to worry about which credit cards have been paid and which bills are due. All debt management solutions make reducing your credit card interest rates a priority. Most debt management services are able to negotiate drastically lower interest rates with the credit card companies. You can watch that 24.9% APR credit card drop to 8.9%. A few debt management companies are even able to get your creditors to eliminate the interest altogether! Another component of all debt management solutions is the elimination of "nuisance fees". Nuisance fees are those extra fees credit card companies tack on without providing any additional service to you. Some examples would be late fees and over the limit charges. Most debt management programs include negotiations with your creditors to eliminate these fees. Once your interest rates have be reduced and the nuisance fees waived your payments can be concentrated on paying down your debt. This allows you to complete a debt management program in roughly 60 months. Debt management solutions also mean an end to creditor calls. You can require the credit card companies to contact your debt management service and leave you alone. In fact, once you've demonstrated that you are serious about your debt management solution you can even have your accounts "re-aged". Re-aging is a process through which your late accounts are reclassified as current by the credit reporting bureaus. This will go a long way towards rehabilitating your credit rating Sat, 26 Jul 2008 15:00:00 EDT