Debt Management Tips : How to Remove Judgments From Your Credit Report

Debt Management Tips : How to Remove Judgments From Your Credit Report

Do all debt management programs destroy your credit rating?
As far as I can tell "debt management programs" are really just friendly faces of creditors that aren't interested in helping you as much as they are creditors. My wife was using one when we first married and they screwed everything up. It also destroyed my wifes credit for 7 years and charged her monthly to do it!
Are there any ones that are actually out for the little guy?
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Debt Management Tips : How to Increase a Credit Score

Debt Management Tips : How to Increase a Credit Score

Going to debt management/credit counseling. What are the best companies?
I am going to go to a debt management program/credit counseling, it was the best alternative to avoid bankruptcy.
What are the best companies that charge a low fee and that can get the best lower monthly payment?
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Can Bad Credit Debt Consolidation Help Your Credit Score?

Can Bad Credit Debt Consolidation Help Your Credit Score?

What exactly happens to your credit if you do debt consolidation?
I have $7,000 in debt and I have heard about debt consolidation. Does this negatively affect your credit rating? Do you get to choose how much you pay monthly or is there a set amount they make you pay? I live in Canada, if that matters.
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