A debt management program is a program that helps consumers with their present debt. Whether it is decided that a debt administration program is the appropriate plan of action for your situation, the credit counselor will develop a fee schedule with each of your unsecured creditors, decrease interest rates, and have late and over the limit fees while you are a part of Credit counseling debt management program. Earlier than signing a contract or making a commitment to make use of a debt management program, you can do inquiry to decide if the debt administration program is the most suitable choice in your situation.