US Debt Management Program Links

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Visit US DMP for more details.

Debt settlement is very different from credit counseling, or debt consolidation and it is normally confused with them.

• Credit Counseling is when you pay a company to re-dispurse your monthly payment to creditors and they only negotiate your interest rate.
• Debt Consolidation is some type of a loan that you will have to be able to qualify for with good credit not to mention other qualifications.
• Debt Settlement is when we negotiate your unsecured debts down 40-60% and set you up with one monthly payment to pay them back.

Unsecured Debt

Our programs are between 21 and 36 months all depending on your unsecured debt amount. each account must be over $700 and the total must be over $10,000 in medical bills, credit cards, personal loans, or other unsecured debts.

Our debt settlement programs your debts will have to qualify, but it is not based on good credit or home ownership.

You can have it all, while living in New Jersey.

High Schools, both public and private, send students off to a great future with advanced learning skills. Scores on the ACT and SAT tests are above average for most public and private high school seniors. Christian Brothers Academy in Middletown, The Purnell School in Pottersville, Torah Academy in Teaneck and Immaculate Conception High School in Montclair are examples of the diversity offered in private school educations.

New Jersey has been receiving grants from GEAR UP (Gaining Early Awareness and Readiness for Undergraduate Programs) since 1999. This allows more students in New Jersey inner cities to get educational assistance such as tutoring and summer school, in order to finish high school and go on to college. New Jersey has worked very hard to get its educational standards up and has since become one of the highest ranked in the country.

For those who choose to drive, EZ pass in your car allows for quick passage at the toll plazas. EZ Pass is an electronic device mounted on your windshield that is pre-paid to allow you to go through any highway connected to the system without stopping to pay at the toll plaza.

The stadium next door houses the New Jersey Devils NHL team and the New Jersey Nets, the NBA team. Many concerts and theater productions are offered throughout the year at both venues. A horse racetrack is also on the grounds of the Meadowlands.