My Debt Management Program Is Free

The debt management program I am joining is free. Yes, free credit card debt management program offered by a government agency.

The government-owned credit counseling and debt management program agency is in charge of negotiating lower interest rates with banking institutions.

Once banks agree with the interest rates and credit card debt balances, the credit counselor will inform you of the detailed debt repayment plan.

You bank in the debt repayment into the credit management agency’s collection account every month and from there the credit counselor will distribute the agreeable amount to each bank.

So, my debt management program is totally free.