Extended Modification Solution Program

Don't let temporary setbacks derail your progress. If you're a debt management plan (DMP) client experiencing a temporary disruption in income or an unexpected spike in expenses, the extended modification solution (EMS) program may be helpful way to maintain your debt repayment progress with a smaller monthly payment.

What is the Extended Modification Solution program?

The EMS program is designed to help clients maintain their DMP by temporarily reducing payments on qualified accounts. For a set period of time you will be allowed to pay a smaller monthly deposit toward your DMP. Once that period is over, your creditors will expect your monthly payments to return to your original, agreed-upon amounts.

Am I a good candidate for the EMS program?

If you're struggling to make your DMP payments because of a temporary loss or reduction of wages or because of an unexpected major expense, the EMS program is a great way to stabilize your finances without closing your DMP.

Even if the EMS program isn't right for you, if you've fallen behind on your monthly DMP payments, we want to help you pick the right path forward. So please contact us so we can review your options and put you in the best position to succeed.

Call our Support team at 888.845.5669 or submit the contact form below.

Connect with our Support team

Submit the form below to learn more about the extended modification solution program or simply connect with our Support team to discuss your options.

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Connect with our Support team or manage your DMP directly through our online client portal.

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Popular Questions

Need more information? Check out these EMS FAQs.

What would my payment be with the EMS program?
Extended modification solution program payments are determined by participating creditors. Most payment amounts are based on a percentage of your current account balance. A support counselor can review your account to determine what your EMS payment would be.
Will the EMS program negatively impact my credit score?
Making reduced payments will cause your account to become delinquent, which will almost certainly have some negative impact on your credit score. The EMS program is intended to help clients with short-term challenges maintain their creditor DMP benefits while navigating the recovery process.
When will I need to bring my accounts current?
Accounts that become delinquent during the EMS program don't need to be brought current until you've completed your DMP, however accounts that are past due will be recorded as such on your credit report. The sooner you can pay off any past due balances, the sooner your credit will begin to improve.
How do I enroll in the EMS program?
In order to enroll in the EMS program, you'll first need to connect with a support counselor by phone or email to discuss your hardship and verify the details of your program. After that, you need to sign a program disclosure and begin making your new reduced payments.
Helpful Resources
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  • Financial Counseling Association of America Financial Counseling Association of America
    MMI is a proud member of the Financial Counseling Association of America (FCAA), a national association representing financial counseling companies that provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management, and various financial education services.
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    MMI is certified by the U.S. Department of Housing and Urban Development (HUD) to provide consumer housing counseling. The mission of HUD is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD provides support services directly and through approved, local agencies like MMI.
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  • National Foundation for Credit Counseling National Foundation for Credit Counseling
    MMI is a longstanding member of the National Foundation for Credit Counseling® (NFCC®), the nation’s largest nonprofit financial counseling organization. Founded in 1951, the NFCC’s mission is to promote financially responsible behavior and help member organizations like MMI deliver the highest-quality financial education and counseling services.