Are you struggling to pay your monthly bills and need a moderate debt relief? If yes, then the best option is credit counseling with our business.
Many people are of the opinion that credit counseling reduces the amount of debt you owe, but this is not the case. Instead, our trained credit counselors will set up a customized payment plan that suits your specific needs. OORAA offers you an affordable payment plan with lowers interest rates more than what your creditors have pre-negotiated with you.
Creditors’ main goal is to make you pay the maximum amount of money possible for the debt you owe. This is where we step in and take charge. Through the credit counseling we offer, you have the option of enrolling in a DMP- Debt Management Plan.
A DMP is a good option because it is a systematic way of settling your outstanding debt through monthly payments. The monthly payments you make to our credit counseling agency will then be distributed to your creditors’.
A DMP is different from debt resolution or debt consolidation. Your debts are settled with monthly payments without the minimum price of your payments increasing. Also, your monthly payments could be higher than your current minimum payments. Through debt counseling, you are safe from any credit or collection actions you creditors’ can take and can prevent you from becoming delinquent.
If you are currently on at least one credit card you can enroll in this program. It’s that easy! Credit counseling will be a good option if you can afford your monthly payments and have a low debt amount.
However, if you are struggling to pay your minimum payments or finding it difficult to pay even a portion of the payments, let one of OORAA’S Certified Debt Consultants discuss further options with you. They will help you to decide on the best debt strategy suited to your needs.