Debt Relief: Options for Managing and Reducing Debt Burdens

Debt management lowers interest on what you owe through a counseling agency; debt settlement pays less than you owe but hurts credit. Here's how they compare.

Missing a DMP payment can reinstate higher interest rates and fees, hurt your credit, and even cancel your plan. Here's what happens and how to recover.

A debt management plan covers unsecured debts like credit cards, medical bills, and personal loans, not mortgages or auto loans. See exactly what qualifies.

Debt settlement risks include credit damage, a possible tax bill, lawsuits, and high fees with no guarantee it works. Here's what to know before you settle.