If you?re struggling with debt, you?re not alone. Millions of Americans are in the same situation. So is there a solution to your debt problem? A debt management plan (DMP) might be the answer for you. For many people, debt management plans (DMP) offered through a non-profit, credit counseling agency are a much better option than filing for bankruptcy. How does it work? On our debt management plan (DMP), you make one easy, affordable monthly payment to us, and according to your plan, we pay all of the creditors you?ve enrolled. Often, creditors give reduced interest rates and waive certain fees for consumers who pay through a DMP. As a debt management company, we have strong relationships with financial institutions around the U.S., and we?ll negotiate with your creditors to get you the best benefits possible.