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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