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If you have decided to use the services of a debt management or debt consolidation company, keep in mind that you may be much better off consolidating your debt under Chapter 13 of the United States Bankruptcy Code. You set the plan approved by the Court and make payments pursuant to a Federal Court order that:
1. Stops interest for unsecured creditors
2. Stops late fees
3. Stops and prevents lawsuits
4. Stops harassing telephone calls
Most debt management or debt consolidation plans do not do these things for you.
Have a lawyer with extensive bankruptcy experience review your financial situation and advise you of the options available to you.