Lee asked: I have quite a bit of credit card debt, but I do not know which companies can be trusted. The credit card companies will not work with you these days if you are current. But it is a real strain when income is limited.

Justice asked: I read that they pay off all your debtors. And you pay the consolidators once a month. So what are the pros and cons?

LindaJ asked: I’m behind in my bills and have an opportunity to go on a Debt Management Plan, but need more info to see if it is a good idea for me.

Michelle K asked: Are they legit? Do the positives out weigh the negatives? What is your personal experience of one?

sadlymistaken asked: You know where you call and they stick all your debt all together and then lower your interest rate so you can pay it off faster. Does that stay on your credit report, like filing bankruptcy?

A New Married Man asked: I want my life back and want to be debt free and want to see my money again that I work so hard for.please help! Do these services really work?

james j l asked: thinking about trying a debt management program to consolidate bills..

mom digging out asked: not affect you?

InDigo asked: I need some companies that are reliable and trust worthy and work for getting out of debt, paying off my credit cards and other miscellaneous accounts. But i have no idea where to start, or how these work.

GI asked: I have no health insurance and have about 50,000 in medical debt from kidney problems over the last year. Are there any programs that will help?