First off, the debt repayment plan I enrolled in is FREE. There is no initial fee or monthly service fee charged by the credit counseling and debt management agency. Yes, it's a free debt management program that is only available in my country.
As a credit card debt woman who has been in a free debt management program since 2008, I am always asked why I opted to sign up a debt management program and didn’t do it myself. First off, the debt management program I enrolled in my country is FREE;
Are you deep in debt and struggling to pay even the minimum payments? If so, you had better start using DIY debt management tips to help you get out of debt fast or seek help from credit counseling. A credit counseling agency, either non-profit or for-profit, offers you credit
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