“Hi, I am curious as to why you opted for a debt management program through a credit counseling and debt management agency. Much of what a debt management company does only involves contacting your creditors and negotiating alternative repayment plans with reduced interest rates and fees that you can
If you’re in debt up to your ears then you’re probably trying to do something about it. There are many options but essentially it comes down to debt management programs versus debt settlement plans. Although neither of the debt relief options is really something you want, it is sometimes
With the unemployment rate and consumer debt continuing to rise, the number of people seeking credit counseling services, enrolling in debt management programs or filing for bankruptcies is on the increase. You may think that those who are jobless and can’t pay the bills are the ones who are
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