Is a DMP right for me?

One manageable monthly payment to LSS equals successful debt repayment

If you have debt, you may be eligible to enroll in a Debt Management Plan (DMP). A DMP is a systematic way to pay down your outstanding debt through monthly deposits to LSS, who will then distribute these funds to your creditors. And often, creditors will stop fees and lower interest rates.

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* 1. When making your monthly payments on medical debt or credit card debt, do you feel that you are making progress?

Yes

I don't have credit card or medical debt

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* 2. Are the balances going down or do you feel like you are making no headway?

Yes

I don't know

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* 3. Do you find yourself putting necessities (groceries, utilities, etc.) on your credit card and carrying over the balance each month?

Yes

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* 4. Do you use your credit card to pay for emergencies?

Yes

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* 5. Are you currently paying more than 12% interest on any of your credit cards?

Yes

Unsure

I don't have any credit card debt

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* 6. Have you been charged any late or over limit fees on your credit cards in the last 6 months?

Yes

I don't know

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* 7. How much credit card and medical debt do you currently have?

$0-$5,000

$5,001 - $10,000

$10,001 to $20,000

$20,000-$50,000

More than $50,000

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* 8. If you answered yes to a majority of these questions, you should talk with a counselor either over the phone or through online counseling. No matter what financial issues you are dealing with, the first and most important thing to remember is you are not alone. Please share your contact information and we will get back to you about your options.

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