Like many Americans in todayâ€™s tightening economy, you may be faced with mounting debt and concerned about your ability to make payments. Credit card debt, unsecured loans, mortgage payments, student loans, and car payments can start to add up and you may feel as though you are drowning in debt. If you feel as though your consumer debt is getting the better of you, you donâ€™t need to face it alone. There are debt management programs that can help you manage your accounts and get the upper hand on your debt.
A debt management program â€“ also known as credit counseling -will help you evaluate your current financial situation, develop a budget, and even negotiate with your creditors for lower payments and the best interest rates available to you. Your credit counselor can work out a repayment schedule that works for you, and eventually, you too can become debt-free. Compare debt management programs and find out what program is best for you.