Debt Management Plan

A Debt Management Plan (DMP) is a debt relief option that gives you a structured way to pay down your debt.  It serves a dual function – to help you repay your debt and to help your creditors receive the money you owe to them.


When you enter into a voluntary agreement with Tabor, you deposit funds with us each month.  In turn, we send your payments directly to your creditors.  Under a DMP creditors provide concessions which may save money over time by reducing the interest rate, the monthly payment and the length of time it takes to repay your debt.  Generally, DMPs are most appropriate for people who have an excessively high level of consumer debt.  Typically, it takes 36-60 months to repay debts through a DMP.


Your financial counselor will discuss all debt payment options with you during your counseling session, determine if you are eligible for a DMP, and make sure that a DMP is the right option for you. 


Click here to download a copy of our DMP Handbook, which provides additional useful information. 


Debt Management Plan Fees

If you do choose to enroll in a DMP, there is a one-time enrollment fee of $50.  In addition, there is a monthly processing fee of $20-$40.  Following is the schedule of monthly fees charged for the management and processing of Debt Management Plan (DMP) payments. The fees range from $20 to $35 per month for households with incomes ranging from extremely low to area median income (as defined by HUD). Households which exceed the area median income threshold pay $40 per month.












Tabor Community Services, Inc. is licensed and regulated by the Pennsylvania Department of Banking and Securities to provide Debt Management Services (License # 31169).  

The Ann B. Barshinger Financial Empowerment Center for Lancaster County