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2. 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 ...

3. Does Debt Consolidation Hurt Your Credit?

   www.aol.com/finance/does-debt-consolidation-hurt...

   Learn how debt consolidation can impact your credit. See the long-term effects on your credit score and how debt management can improve your credit.

4. Debt management plans: What you need to know - AOL

   www.aol.com/finance/debt-management-plans-know...

   A debt management plan has less impact on your credit than a bankruptcy or debt settlement if you pay off the original balance. Cons Typically, DMPs cover only unsecured debt such as credit cards ...

5. What is debt management? - AOL

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

   A debt management plan can be extremely helpful in your efforts to overcome debt. You might be a good candidate if you: Have multiple high-interest, unsecured debts such as credit cards or ...

6. A comprehensive guide to debt relief programs - AOL

   www.aol.com/finance/debt-relief-guide-know...

   Through a debt management program (DMP), you work with a credit counselor on a roadmap to help you get out of debt sooner. The plan includes budget development to help you better manage your finances.

7. How to consolidate debt without hurting your credit

   www.aol.com/finance/consolidate-debt-without...

   Debt consolidation can lower your credit score temporarily, but your score will improve if you make payments on time. Other tools like debt management plans and bankruptcy can help you manage debt.