Smart Money Management

in Debt Settlement Firms

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Smart Money Management


in Debt Settlement Firms

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Smart Money Management is a debt relief company that offers comprehensive services for people with debt problems. These include debt settlement, student loan consolidation & credit repair. The company has offices in Ohio and Michigan. Although Smart Money Management prefers to meet clients in person, it also offers its services to clients throughout the country over the phone or through video conferencing. The company was first launched in 2006. It has an A+ rating with the BBB. However, it is not a member of the IAPDA or the AFCC.

How Does Smart Money Management Work?

Smart Money Management uses its proprietary Smart Money System to help clients solve their debt problems. Smart Money System is a framework for developing a household budget, and creating and executing a customized financial plan for clients. The program doesn´t only help reduce debt. It also provides training on how to develop money management skills. The company employs qualified CFOs that review each case and provide personalized help. Smart Money Management offers a free consulation to new clients.

How Much Does Smart Money Management Charge for Debt Settlement Services?

Smart Money Management charges a maximum fee of 8.5% of the debt balance. The company doesn´t have a minimum debt amount it will deal with. However, clients with less than $3,000 in debt will be given complimentary advice on how they can structure their debt payments most efficiently by themselves.

How Is Smart Money Management Better Than Other Debt Settlement Companies?

  • Comprehensive approach to debt problems. 
  • Personalized education and training on debt issues.
  • No minimum debt amount.
  • Face to face consultations
  • Maximum fee of 8.5% of debt balance.
  • Performance based charges. Clients are not charged until accounts are settled.
  • Excellent customer service.
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  Available in 2 states
  • Michigan
  • Ohio

Feature Breakdown

% of Debt Fee 0% - 8.5%
No Monthly Consultancy Fee  
Pricing Model
  • Contingency Fee (% of enrolled debt)
Minimum Debt Owed $3,000
Debt Type
  • Unsecured Debt
  • Business Debt
  • Private Student Loans
In-House Servicing  
Contingency Model  
Free Consultation  

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