Happy Holiday’s from Freedom Debt Management

Debt Management Program the right way to go?
We are drowning in debt. So far we have managed to get our MINIMUM monthly payments out each month but we are getting no where. Would a debt management program be a good option for us? What exactly is it? Where do I find a reliable one to work with?
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Debt Management : How to Stay Out of Debt

what are the disadvantages to using a debt management company?
I have credit card debt that I am considering using a Debt Management Company. Any thoughts?
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Debt Management with Chris Long

Has anyone ever used a debt management service? How did it affect your credit rating? Would you reccommend it?
I want to eliminate the rest of my credit card debt. I see the ads for debt management services where they work with your creditors to reduce your interest rates, then combine all of your debt together, where you pay them one payment per month. My husband thinks this will reflect negativly on our credit report. Has anyone ever done this, and were you succesful in eliminating debt? Did it affect your credit rating in a nigative manner? I think that most people in America today, have alot of consumer debt, but I see many poeple who aren't worried about it, and only pay the monthly minimums each month. I have been there before, but I am ready to pay it all off. What do you think? I would love to hear from anyone who has used these services before, or any other great idea to pay it all off, without taking out any more loans. Thanks!
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Colm McCarthy (part 1) on Pensions and Debt Management

Can I get approved for new credit after a Debt Management Plan?
Can you get approved for mortgage after going through a debt management plan (DMP) with a CCCS?
I have done a lot of research and I keep getting very conflicting information about the effects of a CCCS.
I want to hear from people that have gone through DMPs and what your experience has been like after completing the DMPs in term of applying for new credit.

I will also like to hear from mortgage lenders and other issuers of credit about your experience with approving people that that have completed a DMP with a CCCS.
I am thinking of signing up with a reputable company; however I want to buy a house in the next year, and I’ll like to know where I stand.

Thank you.
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New Business Debt Management

How does debt management/consolodation work?
So I am thinking debt management or debt consolodation would work better then bankruptcy, but my husband did debt consolodation about 5 years ago, and we were told it looks as bad as a bankruptcy. It actually negatively effects your credit. Is this true with all the companies?
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