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Debt-Management-Guys
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#18
Debt-Management-Guys

Debt Management Guys

This Company May Be Out of Business

Our Score
3.9
User Score
--

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Our Score
3.9
User Score
--
Rank this Company

Ratings Breakdown

Price

% of total debt / % of debt saved
Unknown

Accreditations

AFCC or IAPDA
None

Free Consultation

is one included?
Yes

Time in Business

total # of years
7 Years

Min. Debt

Min. debt accepted
Unknown

Guarantee

money back guarantee?
No

Number of Reviews

User reviews here on BDC
0

This Review is maintained by

Review Last Updated: December 21, 2016

Debt Management Guys is a provider of financial services including debt settlement. The information found throughout this review is strictly based on information gathered through their company website, as it has been determined phone numbers for this company are no longer in service. We are unable to make an assessment as to whether or not this company is still operating.

Rank Chart
Price (% of debt)
Smallest Debt Accepted
Review

#1

15-25%
$7,500

#2

15-25%
$7,500

#3

15-25%
$7,500

#18
Debt-Management-Guys

Unknown
Unknown

The Good

Debt Management Guys claim to work with hundreds of different attorneys who are experienced at debt settlement cases and situations to help significantly lower the payments and interest rates of accumulated debt.

Upon qualification and enrollment, clients will be set up with an affordable monthly payment plan calculated on the amount of debt enrolled. The claim this monthly payment will be electronically drafted from personal savings accounts into an FDIC non-interest bearing savings account. Once a lump sum is accumulated, the negotiation process beings. Outlined on the company website, they claim to settle debts in a term length of 12 to 48 months, which is reasonable and a competitive industry standard.

They offer credit counseling tools and meetings to help clients learn the tools to keep them out of debt and how to manage stressful financial situations in the future as well. We appreciate all the links guiding consumers to information found on credible financial sites such as CNN Money also providing an array of financial literacy resources and tools.

We have found it difficult to determine any outstanding company highlights as we were unable to speak with representatives.

The Bad

It’s unclear whether or not Debt Management Guys is still in business or not.

We certainly have some major concerns with this company during our review process. Our biggest concern lies within having no point of contact or any information regarding a valid phone number. Is this company even in business? We noticed their copyright on the company webpage is only dated to 2014.

Other concerns is having no affiliation with the IAPDA. While this does not seem to be an industry standard, we take these accreditations seriously and appreciate when a company has dedicated time and resources to exemplify corporate responsibility.

The company does not outline any pricing matrix and in fact, offers little information on their debt settlement program overall. They provide some basic information concerning what consumers should seek out when choosing a debt settlement provider.

Any social media sites or articles specifically found on their company website are extremely outdated, with their last article posted on January 10, 2010.

The Bottom Line

Debt Management Guys claim to provide financial services. Overall, we do not recommend this company considering there are far too many unknowns about them – No AFCC or IAPDA accreditation, valid phone number, updated web information, etc. When paying out money to have debts resolved and get on the right track to financial freedom, uncertainty is not something consumers are able to rest assured by. We recommend consumers seek out alternate debt settlement companies with a reliable point-of-contact such as these top recommended companies.

Price

Pricing is unknown.

Up-Front Fees

No upfront fees are charged for settlement services.

Free Consultation

A free consultation is offered and required to get started with Debt Management Guys. During this consultation, interested parties are encouraged to have already run a recent credit report, bring in financial statements and collections letters, judgments older than 6 months, credit card statements, unsecured loan statements and income information. A debt management counselor will then go through all of the information provided and give the debtor an approximate balance of debt, an estimated minimum monthly payment and the length of time it will likely take to pay off the debt.

Time In Business

Debt Management Guys has been in business since 2008.

Debt Education

They offer debt counseling to those who want to learn about avoiding high interest rates, paying off debt quicker and avoiding them in the first place. Their website is full of helpful articles, blog posts and FAQ’s for any and all visitors to learn more about avoiding bankruptcy and why, budgeting, new bankruptcy laws in the US, debt negotiation tactics, laws regarding creditor and debtor relationships and so on.

Cancellation Policy/ Money Back Guarantee

No found guarantee.

Unsecured vs. Secured Loans

They only handle unsecured loans.

Mobile Friendly

No, they do not have a mobile app or a mobile friendly website.

Contact Information

E-Mail:

None listed. You may be able to contact them via the contact form on their site.

Address:

Not listed

Business Hours:

Not listed

Types of Services Available

The Debt Management Guys offer both debt consolidation as well as debt reduction programs. They specialize in credit card debt by assisting customers in negotiating interest rates that are easier to work with. They also offer counseling services to help each customer or potential customer determine what it is that they need most whether it be lower interest rates, catching up on payments, debt settlement, or just an overall reduction of the amount of debt required to be free.

Minimum Debt Accepted

Unknown.

Online Dashboard

There is no online portal for debt settlement customers, but there is a client log in for the debt management plans that they offer here.

Accreditations

The Debt Management Guys do not have an accreditation with the AFCC or IAPDA.

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Poll

  • When looking for a debt settlement company, which of these two aspects is most important to you?
  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

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Real Reviews (yes they’re real)

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Our Score
3.9
User Score
--
Rank this Company

Ratings Breakdown

Price

% of total debt / % of debt saved
Unknown

Accreditations

AFCC or IAPDA
None

Free Consultation

is one included?
Yes

Time in Business

total # of years
7 Years

Min. Debt

Min. debt accepted
Unknown

Guarantee

money back guarantee?
No

Number of Reviews

User reviews here on BDC
0
Our Score
9.1
User Score
8.9
Rank this Company

Ratings Breakdown

Price

% of total debt
15-25%

Accreditations

AFCC or IAPDA
AFCC & IAPDA

Free Consultation

is one included?
Yes

Time in Business

total # of years
15 Years

Min. Debt

Min. debt accepted
$7,500

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
863