DMP Welcome Kit

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:

• Drop you from Apprisen protected status
• Resume interest &/or other fees permanently
• Resume collection activity – including charge-off or legal action.

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. 

To securely send Apprisen any documents pertaining to your account, click here to upload.

You may also email these to clientresponse@apprisen.com, fax to 614-552-4800 or mail to 700 Taylor Road, Suite 190, Gahanna OH 43230. 

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:

1. Click here
2. If it’s your first time making an online payment, click “Create an Apprisen Username”
   • If you already created an account, login
3. Then click “Make Payment”
4. Follow the prompts

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.

1. Go here to create your account
2. Make sure the email address you use matches with your DMP account information
3. You will immediately get a validation email. Click on the link provided within the email.
4. You can also copy and paste the link to a browser.
5. Enter your username and password and click “verify”.

Check your spam or junk folder. If you didn’t receive the validation email, contact us at clientsuccess@apprisen.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.

• If the full monthly payment is received, it will be sent on the next disbursement date.
• If a partial payment is received, payment will not be sent to your creditors until the full amount required is posted to your account or until the last disbursement date of the month
• If you want a second full disbursement made in the same month, please indicate specific instructions with your payment.

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 clientresponse@apprisen.com, 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.