Debt Management or "Debt Management/ Credit Counseling" is a debt management program where you send one monthly check to a third party that handles the monthly payments to your creditors.

This Debt Management Program enables you to pay off your debt quicker by reducing your interest rates and paying more towards the principal each month. This shortens the amount of time it takes to pay off your debt compared to making regular minimum monthly payments.

Debt Management Services will often take a little longer than Debt Settlement, but it is a good solution for those whose number one priority is to keep their credit score as high as it can be.