We have two children in college and have basically done a poor job in managing our finances. Our combined income is approx over $150,000 yearly. We have at least $80,000 in unsecured loans and have managed to get in over our heads. We prefer NOT to go the route of Debt Settlement. Is it wishful thinking to believe we can simply use the Debt Management Program? And…will it hinder us from getting further student loans. The current student loans have not come due yet.

Hello, thanks for the question. Debt management may help you somewhat without

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Have you heard of Debit Relief USA, Inc. in Addison TX? I am not behind in any payments, but I am a single parent and my credit card debit is so high, I just can’t seem to make a difference. I even pay more than the monthly minimum payment required? Please help…

Hello, I am sorry but I do not know anything about that company. I suggest you

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if your $46,00 in debt, is it better to do debt managmement and take 10 years or is it better to do debt settlement and have bad credit for 10 years? Either way? HELP!!

Hello, this is a choice that only you can really make. It depends on what

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While in debt management, will we be able to sell our home and buy a new one; may be relocating, but would like to get our debt down in a more “comfortable” state.

Sure, you can buy and sell real estate while in a debt management program. However, it

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Do debt relief companies arrange monthly payments? It sounds like the settled amount is due at once.

Yes, they do set you up on a monthly payment plan no matter if

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how will debt relief programs affect my credit

It really depends on the type of

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I HAVE REALLY BAD CREDIT,A LOT OF COLLECTIONS AFTER ME. I WOULD LIKE TO PAY EVERY DEBT THAT I OWE ,IS THERE ANY WAY YOU COULD HELP ME.

Hello. If you do not want to try and reduce your debt through a debt settlement process, I suggest

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