This nonprofit credit counseling agency helps consumers manage unsecured debt through structured repayment plans and financial education. For many people, debt isn’t the result of reckless spending — ...

Debt management is a systematic way to pay off your debts, either on your own or with the help of a professional debt management company. Debt management companies are skilled at negotiating on your ...

CreditAssociates offers debt settlement plans that can help you get out of debt, but it’s risky. Compare debt settlement with other debt payoff alternatives. This page includes information about these ...

Pacific Debt Relief offers debt settlement plans that can help you get out of debt, but it’s risky. Compare debt settlement with other debt payoff alternatives. This page includes information about ...

Debt management restructures your debt so you can pay it off. Debt settlement involves some amount of debt forgiveness. If you don't qualify for debt management, debt settlement might work for you.

Angelica Leicht is the senior editor for the Managing Your Money section for CBSNews.com, where she writes and edits articles on a range of personal finance topics. Angelica previously held editing ...

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. Understanding exactly what you'll pay for debt management — and what you ...

In 2025, people throughout the U.S. saw rising prices for consumer goods and a reduction in income and employment. Those factors contributed to a substantial rise in credit card debt. According to ...