Debt Management Mortgage Modification Debt Settlement Tax Resolution

Process

Debt Free Debt Free Responsibility Client Client Responsibility


Step NumberProcessResponsible
1

Our counselors will help you through a budget analysis

Debt Free
2

Acquire your personal information for creditors’ verification

Client
3

You list the debtors you want to be placed on the Debt Free program

Client
4

Provide Debt Free the account numbers, and account balances to be placed on the program

Client
5

You decide when you want to start the program

Client
6

You decide when you want your monthly payments to be made

Client
7

A packet is mailed, emailed or faxed directly to you for review and signature

Debt Free
8

Fill out the Agreement between Debt Free and yourself

Client
9

Sign the Power of Attorney for Debt Free to speak with your creditors

Client
10

Return packet to Debt Free by mail or fax

Client
NEW!

You can now sign online with our eSign service

11

You make your first payment to Debt Free

Client
12

Debt Free sends the proposal to the creditors on your behalf

Debt Free
NOTE

Upon acceptance of terms from your creditors, your concessions will now be in full operation. Your are on your way to becoming Debt Free!

Benefits


We have trained and certified credit counselors You make one convenient monthly payment Marriage and relationships are strengthened
No inquiry or credit check We have a plan to pay off enrolled debt in 12 to 36 months Toll free customer service
Free monthly statements Free financial education The program enables you to support charitable causes
Reduced stress We can reduce or eliminate interest rates, late fees and over charge fees incurred from creditors

Debt Free Today, Debt Free, Help With Debt in Arizona operating in Texas, Florida, D.C., Georgia, Arizona, New Mexico, Maryland, Mississippi, Colorado, Alabama, Washington, Utah, Nevada, California, Iowa, Louisiana, Alaska, Arkansas, Hawaii, Idaho, Kansas, Kentucky, Nebraska, North Carolina, North Dakota, Ohio, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, West Virginia, Wisconsin, Wyoming and Oregon.

*Actual results will vary based on individual situations and negotiations with creditors.


©2009 Help Ministries Incorporated All rights reserved

Notice:
The Commissioner of Financial Regulation for the State of Maryland will accept any questions and complaints from Maryland residents regarding Help Ministries Incorporated d.b.a. Debt Free, License Number 14-22, at 500 N. Calvert Street, Room 402, Baltimore, MD 21202, Phone 1-888-784-0136