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With a debt management plan, you make one monthly payment to a credit counseling agency and the agency pays each of your credit card lenders.

A lender may lower the interest rate on your credit card balance when you participate in a debt management plan.

William shuffled in to face his fate, ready to throw himself upon the mercy of Ms Bergman.

Even he had vaguely heard of her reputation as a woman of ruthless determination.

The best way to consolidate credit card debt — and whether consolidation will work for you at all — depends on your situation, so you might want to consult a non-profit credit counselor about your best options.

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