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    any more debt. In return, most creditors will
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    A Debt Management Plan (DMP) is a mutual agreement between you and a Credit Counseling Agency (CCA). Simply put, you agree to repay your debts in full over time, without taking on any more debt. In return, most creditors will
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    ement between you and a Credit Counseling Agency (CCA). Simply put, you agree to repay your debts in full over time, without taking on any more debt. In return, most creditors will
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    ncy (CCA). Simply put, you agree to repay your debts in full over time, without taking on any more debt. In return, most creditors will
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    r debts in full over time, without taking on any more debt. In return, most creditors will
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    any more debt. In return, most creditors will agree to significantly reduce your interest charges and waive any late fees.

    Even though DMPs are often referred to as Debt Consolidation — there is a difference. While DMPs

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