[header] How to make a debt management program work for you [title] Choose a debt management program carefully. [step] The credit counseling and debt management industry is, unfortunately, infested with companies that are all too willing to take advantage of people who are already in money trouble. Choose the wrong program, and you could quickly end up in worse shape than before. 
Seek real credit counseling before enrolling in a dmp, and carefully consider other options, such as negotiating with creditors yourself. If you do decide that a dmp is right for you, make sure you go through a reputable agency.