Q: What is Manare Debt Relief?

A: Manare Debt Relief is a financial service that helps individuals manage and reduce their unsecured debt by negotiating with creditors on their behalf.

Q: How does Manare Debt Relief work?

A: We assess your financial situation, create a personalized plan, and negotiate settlements with your creditors to reduce the total amount you owe. You make affordable monthly deposits into a dedicated account while we handle negotiations.

Q: What types of debt can Manare Debt Relief help with?

A: We specialize in unsecured debt, such as credit cards, payday loans, personal loans, and certain types of collection accounts.

Q: Are there debts Manare Debt Relief cannot help with?

A: Yes. We typically cannot assist with secured debts (like mortgages or auto loans), federal student loans, child support, tax debts, or lawsuits that have already resulted in wage garnishments.

Q: Who qualifies for Manare Debt Relief?

A: Individuals struggling with unsecured debt who are experiencing financial hardship, unable to keep up with minimum payments, or considering bankruptcy may qualify.

Q: How do I enroll in the program?

A: You can contact us for a free consultation. After reviewing your financial situation, we’ll determine if our program is a good fit for you and guide you through the enrollment process.

Q: Will I still owe my creditors after enrolling?

A: Yes, until settlements are successfully negotiated and paid. While in the program, we work to reduce the amount you owe, but creditors are not obligated to accept settlement offers.

Q: How much does Manare Debt Relief charge?

A: We charge a fee that is included in your monthly program payments. Our fees are only collected after we successfully negotiate a settlement on your behalf. There are no upfront fees.

Q: Will my monthly payments be lower than my current debt payments?

A: Most clients see a reduction in their total debt payments, but it depends on your specific situation and the settlements we negotiate with your creditors.

Q: How long does the debt relief process take?

A: The program typically takes 24-48 months, depending on the total amount of debt and how quickly settlements are reached.

Q: Will debt settlement affect my credit score?

A: Yes, enrolling in a debt relief program may negatively impact your credit score because you will no longer be making direct payments to creditors. However, as debts are settled, many clients see their scores improve over time.

Q: Can creditors still contact me?

A: Yes, but once we send cease-and-desist letters and begin negotiations, most creditors will communicate with us instead of you. However, debt collection calls may continue in some cases.