Take back control of your finances by allowing American Debt Counseling of Michigan to help you stretch your dollar. Contact us at our toll free number 877-243-3280 or at any of locations for our debt management and counseling services that help get your finances under control.
How does American Debt Counseling work?
Once you call in for your free appointment, we provide a budget analysis of your situation, which tells us where you stand and what would be the best program to get you back on your feet. When you decide this is the plan for you, we contact your creditors to set up a payment program that fits your budget. Once you are back on an even keel, we will show you how to take the program over on your own or stay with us until the bills are all paid.
When you are behind on your mortgage payments, we have established payment plans with mortgage lenders to bring your account current over time. Another way to update a delinquent mortgage is through a loan modification.
Usually, the mortgage company rewrites the loan, often changing the terms of the loan (i.e. lowering the interest rate, putting all back payments at the end of the loan, and possibly extending the remaining term of the loan).
We also can help you apply for available State and/or Federal housing assistance programs.
Collection Agencies, Judgments, & Garnishments
Many times, we set up a payment for you with the attorneys who are handling your case. The attorney agrees not to garnish wages or bank accounts in exchange for our payment plan.