DEBT MANAGEMENT PROGRAM	"But, I don't think I am in a financial crisis, or am I ??"
FCR is aware that not everyone with debt is in crisis. You may only be experiencing a temporary cash-flow problem. FCR's DEBT MANAGEMENT PROGRAM can help you overcome these difficulties. FCR is committed to negotiating with your creditors to reduce your interest rates and waive or reduce late payment fees.	This help is not a loan, nor is it bankruptcy. IT IS DEBT RELIEF! You can be immediately enrolled in a DEBT MANAGEMENT PROGRAM and drastically cut down your pay off time, saving thousands or hard-earned dollars.
FAQ'S
How can a Debt Management Program really help me?
FCR has the experience to negotiate with most creditors for reduced monthly payments. FCR can collect & payout to creditors on your behalf.
Can a Debt Management Program help with my budget?
Yes, monthly expenses are immediately adjusted and you have only one payment to find every month.
Will I still get calls and letters from my creditors?
In the beginning you may receive calls and letters for a period of time - just refer these to the FCR office and the problem will be eliminated.
What happens to my credit rating if I enrol?
Enrolling in the DMP is not a matter of public record, however, it is up to individual creditors how they report your credit status.
When will my payment be due?
Because everyone's income payments occur at different times during the month, FCR will work with you to determine a date best for you.
Am I informed when my creditors receive payments?
You will receive detailed monthly statements which will clearly show creditor name and payments made to them during the month.