Debt is a situation in life where it is sometimes necessary to approach experts for some advice on right debt management. This is why there are many non-profit management organizations found in the United States who are ready to offer you advice on debt management. These companies have good debt management programs that will help you get out of debt.

One good debt consolidation company in the US is the Money Management International where professional financial guidance is offered to needy. This is a company with over 46 years of debt management services and offers counseling and debt management programs. The Money Management International Debt Management Program is a safe alternative to bankruptcy. With this program, efficient counselors will meet you to provide advice on how to handle your debt. You will have to give them all your financial particulars and they will approach your creditors to negotiate on lowered interest rates and perhaps a lowered loan amount too. You then have to make a single payment to this debt management program through which the company will pay all your creditors.

Another debt management company is CreditGuard of America, which offers similar debt management programs to help you to get out of debt. This is a non-profit corporation that was incorporated in the State of Florida in the year 1991. You will be provided debt management programs where you will be advised to consolidate your numerous loans with a single large loan. This way, you will only have to make a single payment to the debt management company, as they will pay your creditors. This consolidation loan is usually at a lower interest rate, thus leading to lowered monthly installments and consequently some savings.

The founders of A-Family Budget Counseling Inc. started their non-profit debt consolidation company with the intention of providing debt management programs to people with debt. They offer debt consolidation loans as a debt management program, and depending on your financial situation, may advise you to take a home equity loan to get rid of debt. With the home equity loan, you can replace your multiple loans with the home equity loan and make only a single payment to the bank. Whatever advice they give, it will be through the counselors who visit your house to assess your financial situation.

Harbour Credit Counseling Services is a non-profit debt consolidation company that was formed in December 1995. It is an agency that meets all licensing and bonding requirements to serve debt management programs to their clients. Trained and certified debt counselors render debt management programs. It is also known as a company that provides free financial counseling classes to local ministries, special interest groups and educational institutions.

ByDesign Financial Solutions was started in 1964 as a non-profit organization providing debt management programs. They offer many courses to help people to improve in their financial knowledge and money management skills so that any form of debt can be handled. These one-on-one counseling sessions are carried over the phone, internet or in person.