Ask The Get Out of Debt Experts Credit Counseling Suggested Money Management International to Us. – Jenn

“Dear Damon,

I am 54,000 of unsecured- CREDIT CARD debt– ranging from American Express, USAA, Chase , Citibank, and store credit (Walmart, Kohl’s,JCPenney, LOWE’s, Home Depot, etc)– I do not even use them anymore– the interest rates are so high( 23%,21%, etc) My husband and I both work, own a house, pay our bills on time– but never have enough money to save- go on vacation, or do anything– our bills drag us down!!

My husband is in the Navy– and they have a website– Militaryonesource which recommended to use Money Management International to pay down our debts– I want to eliminate the debt– but the monthly payment that I was quoted seems to high– would this be a good route? what should we do? Bankruptcy? We need HELP!!


Hello Jenn,

I would need to know a lot more about your situation to give you some specific advice. Money Management International is a good program, but judging by your question, it is likely that a credit counseling approach is not going to provide you the relief that you need. That means you are probably going to be looking at a debt settlement approach or possibly a bankruptcy depending on the situation. If you would like to set up an individual consultation over the phone, I can get much more information about your overall situation and advise you as to what I think the best course of action will be given the circumstances. You can contact me through my website.

Damon is a talented independent debt coach that provides in-depth assistance and consultations for people struggling with debt. If you want a personal debt coach to help you through a difficult situation or want assistance to find secret discounts offered by debt settlement companies I think Damon Day is an excellent person to contact for advice and assistance. He can be reached directly at

If you have a debt related question you’d like to ask, just use the online form.

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About the author

Damon Day

Damon Day is a talented Debt Coach who offers fee based consultations to consumers as an alternative to the typical free debt relief consultations which are nothing more than thinly veiled sales pitches lacking any real information to help a consumer make a good decision. You can learn more about how he can protect you from getting ripped off at


  • what company is best for debt settlement?—will using debt settlement affect my ownership of house? and I have a loan on my car==will that affect all of my accounts?  or can I only use debt settlement for some?

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