Debt Management Program Debt Consolidation

Credit Card, Personal Loan and Student Loan Consolidation

Same Day Credit Report Evaluation
Call us at: 1-800-501-7526
Bankruptcy May Not Be The Solution...
Credit Card, Personal Loan and Student Loan Consolidation

Mission Statement

Benefits of the
Program

Frequently Asked
Questions

How Much Debt
Can You Handle?

CALL TODAY
1-800-501-PLAN

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Licensed by NY Dept.
of Banking # 96-001

Licensed by NJ Dept.
of Banking # L044334

Are you in over your head?
Calculate your debt-to-income ratio

For Assistance Call: 1-800-501-7526

The amount you owe is relevant only when measured against your income. The more you make, the more debt you can afford to take on. Fill in the blanks to get a rough idea of your debt-to-income ratio—and whether it is already higher than is considered manageable on your income.

Monthly mortgage or rent:
Minimum monthly credit card payments:
Monthly car loan payments:
Other loan obligations:
A. MONTHLY DEBT PAYMENTS:
Annual gross salary:
Bonuses and overtime:
Other income:
Alimony received:
B. TOTAL (before tax, divided by 12):
A ÷ B =

Your debt-to-income ratio
36% or less: This is a healthy debt load to carry for most people.

37%-42%: Not bad, but start paring debt now before you get in real trouble.

43%-49%: Financial difficulties are probably imminent unless you take immediate action.

50% or more: Get professional help to aggressively reduce debt.

For Assistance Call: 1-800-501-7526

Source: Gerri Detweiler, author of The Ultimate Credit Handbook