Debt Management
Debt Management is the process of negotiating with your creditors to make your debt more manageable. If you have several outstanding debts which you are struggling to clear, you can ask your creditors if they will come to an arrangement where you pay less - for example, you may be able to pay only the interest on your debt.
You can easily do debt management yourself, but companies exist that will take on the negotiations on your behalf and act as a 'clearing house' for your monthly payments. This way, you avoid the stress of contacting your creditors, and will only have to make one payment a month instead of several.
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