Debt Management

Harassing phone calls, late charges, high interest rates – sound familiar?

We know how confusing and frightening it can be to face those collection calls and notices alone. We understand the frustration of not seeing your balance go down because all your money is going to interest and fees. It's a lot to deal with, but you don't have to do it alone.

When you participate in our debt management program, we negotiate a repayment plan with your creditors that fits your budget. Then, instead of you making payments to each of your creditors, you make one payment to Horizons CCCS and we disburse the money for you. So that you can get your debts paid off more quickly, some creditors may even agree to reducing the interest rate and waiving late fees and over-limit fees on your credit cards! Our Debt Management programs are voluntary programs that serve the dual role of helping you repay your debts and helping creditors receive the money owed to them.

We are licensed by the Iowa Division of Banking. Do not risk your money and credit rating by enrolling with an agency that is not licensed to do debt management in the state. 

Click Here for information on choosing a debt management provider.

Be very careful – don’t confuse debt management with debt settlement. Debt settlement can be expensive, may harm your credit, and may have tax implications.