Are you struggling with your debts? Do you feel stressed out because collectors
are calling you and you don't have the money to pay them? You need a consumer credit counseling debt management plan that will work to cure you of your debt and put you back on the right track. Here is a debt management plan to get you started.
The first thing you need to do is get a copy of your credit report. This will give you a good picture of all the debts you have and what you owe on them.
Next, you need to get all of your bills together and put together a budget. Don't forget to budget for expenses that only come around once a year, like your automobile registration and property taxes. Once you have a budget that is going to cover your bills, then you need to figure out how much you can afford to pay towards your debts each month.
Sometimes you might have to take a second job or find another source of income to work on paying off your debts, but there is always a way.
The last thing you need to do is figure out how much you can pay towards each of your debts out of the total amount that you owe. Always pay something because even a half payment is better than no payment at all. Plus if you pay something the company will see that you are trying and they will be more willing to work with you.
There you have it, you very own consumer credit counseling debt management plan to get you started. There is a lot more detail you can go into with your plan, but this should get you a good start on the right track.