If they mention, DMP or Debt Management Plans then walk away... No, run away.  They are going to take hundreds if not thousands of your dollars to 'help' you with your credit card debt...  And they may never clear up your debt and you're a thousand more dollars in the hole.

A real debt consolidation agency will not negotiate with your creditors but will give you a plan... a budget.  (nasty word isn't it?)

Remember legitimate credit repair or credit consolidation agencies won't charge up front.  Or if they do charge you, it will be a small amount like $20 or $30.







Hope this helps.  Just wanted you to know.