Congratulations! You made a wise choice to take charge of your finances. Apprisen has helped over 1 million people improve their financial health. We’re your trusted partner on your journey to a debt-free future.
The journey to a debt-free life is made of many small steps along the way. The experiences of our clients have taught us that the following “Steps for Success” are essential for making your goal a reality.
As soon as we receive your signed paperwork & first deposit, we will activate your account & notify your creditors according to their requirements.
Before you change your Apprisen DMP pull date, keep in mind the Creditor Rights: If creditors do not receive the full agreed upon payment every 30 days; or for some creditors, by their established due date each month; they have the right to remove the accounts from the program, apply late fees and/or over limit fees, increase the APR, and resume any type of collection activity such as letters, phone calls, and/or legal action.
Creditors may continue to call you during the first three months of your program. Tell them you are an Apprisen client & refer them to us. If a creditor refuses to contact us &/or accept our proposed payment, please notify us. Make sure to get the name & number of the person who called.
Review all correspondence from your creditors. Please forward copies of collection notices, legal correspondence, account number changes, or creditor address changes to our office immediately.
We maintain an accurate payment history for your creditors. Do not send money directly to your creditors unless you have discussed the situation with an Apprisen representative.
Creditors typically begin making concessions on your account after three consecutive, on-time payments. These concessions may include one or more of the following: reducing the interest rate, bringing your account current, & stopping late fees &/or over-the-limit fees.
Your Apprisen due date may not coincide with your creditor’s due dates. It may be necessary for you to contact your creditors to change their monthly due date so you are not assessed a late fee every month.
Missing a monthly deposit, paying late, or not paying the full amount can seriously jeopardize your DMP. Creditors can do any of the following:
Please provide your most recent statements every 12 months. This allows us to ensure that there are no extra fees being charged and to make sure the interest rate is set appropriately.
Apprisen disburses funds daily Monday through Friday except on our company holidays.
Funds withdrawn from your checking or savings account using Apprisen AutoPay (AAP) are posted to your Apprisen account as they are received & are sent to your creditors in 5 business days (to allow time for funds to clear).
You will receive a mailed or email confirmation of your auto pay change after 4pm EST time.
Apprisen can only do one-time changes for auto pay through our chat option. If you wish to permanently make changes to your auto pay, you will need to call our office at 1-800-355-2227 and speak with a representative.
To make a one-time online payment, follow these steps:
First, make sure you have validated your username and password via email. If not, you will need to do that first before trying to log in.
Check your spam or junk folder. If you didn’t receive the validation email, contact us at email@example.com or connect with us via IRIS chatbot to request for your validation email to be resent.
It’s best to use Google Chrome.
No, the monthly due date is the date that your payment will post to your account.
We post certified funds to your account the day after payment is received.
To change your bank account, please have a voided check. If you don’t have a voided check, you may complete a new Apprisen Auto Pay form with updated information or provide a letter from your bank with the account holder’s name, routing and account numbers.
You may also email the request to firstname.lastname@example.org, fax to 614-552-4800 or mail to 700 Taylor Road, Suite 190, Gahanna OH 43230.
It is important that we understand any changes you want made in disbursing your money. Please contact us with specific instructions by calling 800-355-2227. Changes can only be processed via the phone with a Financial Specialist as you need to provide verbal consent.
Yes, Apprisen can send you a statement of your payment history to the address we have on file for you. You may also log in to your account on our website: here. If you don’t have an account, “Create a New Account”, follow the prompts to create a “Username” & password. Once you set the account, you’ll be able to access your account information, including your payment history statement.
You have the option to pay off all of your creditors, or a specific creditor. An Apprisen representative will be more than happy to help you through the process of contacting the creditors, freezing the balance, and disbursing the funds. To request a payoff balance contact an Apprisen representative when you have funds available.
You can change or cancel your pull date by calling us at 800-355-2227. Please note that you will need to call before 1pm ET at least one business day prior to the scheduled pull date in order to process your request.
The Extended Modification Solution (EMS) is to help clients continue their debt management plan through times of financial hardship. In these circumstances, certain creditors may agree to allow clients to make reduced payments toward the accounts, even though the accounts will continue to age (fall behind). EMS is designed to be a short-term solution to assist clients who are experiencing an additional financial hardship, and help them get back on track and resume their original debt management plan payment arrangements.
Making the final payment through Apprisen can be an important factor in creating a complete payment history on your account. If necessary, we will work with your creditors on your behalf to answer all questions & resolve any disputes. Your file with Apprisen & with your creditors will be recorded as a Successful Completion – a distinction that will be important as you rebuild your credit history.
The first 3 months:
Your creditors are in the process of reviewing & agreeing to the proposals we sent them on your behalf.
You are learning to stick to the budget you & your Financial Specialist worked out. As a result, you’ll notice there is enough money for the necessities.
You are also learning to live without using credit. This may be the first time in a long time that your monthly balances are going down rather than going up.
In the Program for 6 months:
When the phone rings now, it is probably someone you really want to talk to because your creditors have stopped calling every night.
You’re getting used to your budget & are learning the difference between “wants” & “needs.”
Apprisen will contact you periodically throughout your program to make sure everything is on track.
At 12 Months:
You are seeing progress with your debts. Don’t lose sight of the end goal – becoming debt free.
Let your budget become a way of life, learn from it & make adjustments as needed.
Continue to control impulse spending.
If your income increases, put some of the extra money towards your total debt. You may be able to finish sooner than you thought.
It’s time to send in your current creditor statements to Apprisen.
If you’re on Facebook & would like additional motivation, join the DMP Community Group.
Financial health happens when you partner with IRIS! Securely submit your financial information to IRIS and receive a free, comprehensive financial plan within hours! This plan is reviewed by one of our live Certified Financial Specialists. It's the first step on your journey to financial health!