Debt Management Benefits

GFM's Debt Management Program (DMP) can be your bridge to a debt-free future!

At GFM, we are proud to offer our debt management program (DMP), the quickest and most efficient way to become debt-free without damaging your credit. By joining today, you can receive significant benefits that accelerate your path to a financially secure and debt-free future. For example:

You consolidate all of your unsecured debt into one convenient payment (credit cards, medical bills, personal loans not secured by collateral, collection accounts, etc.). Suddenly, paying the household bills gets a lot simpler and much less frustrating.
Your monthly payments are lower. You pay the minimum debt management program payment, which is typically lower than the creditor's minimum due. In turn, this frees up money for other household bills while reducing your balances every month.
You receive significantly reduced interest rates from your creditors, allowing you to dramatically speed up how fast you become debt-free. Lowering your interest rate means that more of every payment you make is paying down the principal on your account - not just the interest.
You will stop being charged with those costly late and over-the-limit fees. At $35+, these add up quickly!
Your credit score will not be impacted. While enrolling in a debt management program will not erase dings you have already received on your credit, it will help you keep from incurring any more. In fact, participating in a DMP is treated by the credit reporting agencies as a neutral notation and will not directly impact your credit score - unlike other forms of debt reduction (such as debt settlement and bankruptcy) that will have a negative impact on your credit score.
Your accounts will be re-aged (brought to a current status). While this will not remove any late payment marks you've already received on your credit, it will prevent future ones for as long as you make consistent payments through your DMP.
Your phone will stop ringing with collection calls. As your creditors accept your GFM DMP proposal and update their files, the collection calls will quickly drop off. Typically, by 45 days, they have significantly lessened, and by 90 days, they are history.
You could be completely debt-free in just 12-60 months! Depending on the amount of debt you begin the program with and the terms your creditors offer, you could eliminate your debt in as little as 12 months - but never more than 60. And thanks to the lower interest rates and fees, you will pay far less to reach that point than you would have by paying just the minimum due.

For an eye-opening experience, use the GFM calculator at http://www.yourgfm.com/debt-calculators/ to see what only paying the minimum due each month is going to cost you in the long run. If you can already see that a GFM debt management program will benefit you, then gather up your most recent statements from your creditors and either give us a call at 1.866.467.1259 or Click:

Not ready to enroll, but want to learn more? No problem! Just call one of our caring, accredited counselors at 1.866.467.1259 or click here to request more information.