About DMS   FAQ Testimonials

Mike S.
Q:  What brought you to RethinkingDebt.org?
A:  "I had to take a major pay cut of about 30%. Credit card debt was a major expense that had to be addressed. I read articles on credit card debt and I think RethinkingDebt.org was one of the recommendations."

Q:  Describe your credit counselling experience.
A:  "Extremely professional, and the recommendations, solutions, and goals made sense. I wish I would have done it earlier."

Q:  How was your situation prior to receiving credit counseling?
A:  "Credit card companies had been making things hard by increasing the minimum monthly payments and increasing their interest rates. It made things incredibly difficult."

Q:  And after?
A:  "Things are still difficult, many things had to be given up and we're living on a tight budget, but the goal of being free of credit card debt in 4 years is a very manageable goal."

Q:  How satisfied are you with our service?
A:  "Very satisfied"

Q:  Would you recommend our counseling services to others in need?
A:  "Absolutely"


Mary T.
Q:  How was your credit counseling experience?

A:  "The credit counseling experience was very positive and encouraging. We felt it was really nice to talk to someone who didn't judge us based on our financial difficulties. We also felt better after the counseling session knowing we had a plan."

Q:  Has being on a debt management program made your financial life easier?
A:  "It's very nice to be able to know when the money will be coming out and how much is due each month. It's very convenient that we don't have to figure out where to send all our bills each month, and it is a lot less stressful trying to budget and remember everything. In addition since being on the debt management program, we were also able to get a car loan"

Q:  How was the customer service you received while on the program?
A:  "The customer service has always been very pleasant and it's never been a hassle when we have called. We also have never dreaded calling. We've had to change our payment date several times and the service we received was great!"

Q:  How has the program changed your daily lives?
A:  "This program has taken a whole lot of stress off of us. We feel like we can see a light at the end of the tunnel, as opposed to feeling like we are in quicksand."


Sharon G.
Q:  What was your situation like before credit counseling?
A:  "I felt like I was out of options. I had paid hundreds of dollars in credit card bills for years, always making all of my payments, but the balances weren't going anywhere. I had depended on these cards for so long, I felt powerless when all of a sudden I didn't have any. I counted on them all those years as a backup, so I was a nervous wreck. It seemed to be never ending."

Q:  Did the debt management program change that?
A:  "The program helped me to learn not to depend on credit cards. Now I am starting to build up my savings, having money to back us up so that I don't get in the situation where we have to charge. The program has changed my pattern of buying completely."

Q:  Would you recommend our debt management program to others in similar situations?
A:  "Yes, and I do to anyone I talk to. No one ever made me feel like a deadbeat because I had to do this. I was never embarrassed to say I was on the program. It was just so great and I was doing something good for myself. I just needed a helping hand."


Lisa P.
Q:  What brought you to RethinkingDebt?
A:  "My interest rates were high.  Very high!  I called the credit card company's but they would not lower them. I came to RethinkingDebt and now some of my accounts have rates as low as 5.9%!"

Q:  How did your initial credit counseling session go?
A:  "Well, all I needed to do was organize my living expenses and what I had for credit card debt.  Then my credit counselor came up with a payment plan that I could afford. "

Q:  What would you tell someone who was having a hard time paying their debt?
A:  "I would tell them to call RethinkingDebt.  You make one monthly payment and RethinkingDebt pays the credit cards for you.   They are able to lower your interest rates and that is what really helps pay down the debt.  All I have to do is watch my statements to verify payments have posted, my interest rates stay low and I am done!!

Q:  Would you recommend RethinkingDebt to a family member or friend?
A:  "Yes, I would.  I am very happy with the program."


Letter from Jennifer (client)
"When I came to RethinkingDebt.org I was in complete shock. My husband and I were both laid-off on the same day! We were in over our heads, and creditors were constantly calling. The set-up process was so easy. I did the appointment over the phone and received the paperwork shortly after. I am so happy we found RethinkingDebt.org. The staff was really nice and very courteous. Any time we had questions about our account, they were addressed immediately; and if we could not receive an immediate answer we had a response within 24 hours. It feels so amazing to have our creditors off our back. Having our interest rates reduced and being able to have one convenient monthly payment, made this program so easy. I am so thankful that RethinkingDebt.org dealt with our creditors. I don't know how we would have gotten out of debt without you!"