Debt Management Program Overview

The Need for Debt Reduction

We know what it's like to carry the burdens of debt. It causes anxiety, damages relationships, and extinguishes hope.

Debt can accumulate for many reasons: reduced income, a lost job, medical expenses, lack of budgeting, and more. It’s easy to get into debt. It’s harder to get out.

The Path to Debt Reduction

At Clarifi, we are specialists in debt reduction, providing you with options that help you take control of your credit card debt and get your financial life back on track. 

A debt management or debt reduction program enables you to responsibly address your debt – whether that debt is $10,000, $30,000, $50,000, or more – and pay it off completely, usually over the course of a 5-year debt reduction plan.

In Clarifi's debt management/debt reduction program, we will work with your creditors on your behalf to lower your payments and reduce or eliminate late fees. We set up a monthly payment plan where you make a single monthly payment to Clarifi, and we disburse that payment appropriately to your creditors.

The Freedom of Debt Reduction

It doesn’t matter why or how you got into your current state of debt. If you are having difficulty paying your bills, or are at your credit limits, it’s time to call Clarifi and find out how our debt management / debt reduction program might benefit you.

We’re here to help you—not just to assist you in reducing and eliminating your current debt, but also to help you make the changes necessary to improve your financial future.

Call Clarifi today at 1-800-989-2227.


Debt Reduction Counseling Information

  • Clarifi operates in Pennsylvania, New Jersey and Delaware
  • In-person, phone, and online sessions available
  • Languages Available: English, Spanish and Mandarin 
  • Arrangements can be made to accommodate Hearing Impaired Clients
  • If enrolled, there is an initial consultation fee of $50
  • If enrolled, there is a monthly fee of $10/creditor ($50 maximum)