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2. Credit counseling: What to know before signing up - AOL

   www.aol.com/finance/credit-counseling-know...

   Debt management A credit counselor creates a plan to consolidate your debts and lower the interest rate, typically by calling your creditors and negotiating with them on your behalf.

3. Debt relief: Pros and cons - AOL

   www.aol.com/finance/debt-relief-pros-cons...

   Debt management plan. In some cases, credit counseling companies also recommend and oversee debt management plans. These plans have you make a single payment to an account in your name each month ...

4. These are the best debt relief options — which is ... - AOL

   www.aol.com/finance/different-debt-relief...

   The debt settlement company will tell you to stop paying your creditors to give it negotiation leverage. You can expect your score to take a massive hit when working with a settlement company.

5. What is debt management? - AOL

   www.aol.com/finance/debt-management-202149646.html

   Debt relief company: Debt relief companies work by negotiating with your lenders to reach a settlement deal for less than what you owe. However, it’s important to note that some experts consider ...

6. Debt management plan - Wikipedia

   en.wikipedia.org/wiki/Debt_management_plan

   Debt management plan (DMP) is an agreement between a debtor and a creditor that addresses the terms of an outstanding debt. [1] This commonly refers to a personal finance process of individuals addressing high consumer debt. Debt management plans help reduce outstanding, unsecured debts over time to

7. NCO Group - Wikipedia

   en.wikipedia.org/wiki/NCO_Group

   NCO Group, Inc., based in Horsham, Pennsylvania, United States, [2] is a business process outsourcing company and collection agency that provides accounts receivable management, customer relationship management and back office solutions [buzzword] for its clients.