http://www.debtcounselingexplained.com/debt-management/debt-management-service/ A debt management service will suggesting options to you before acting, and its your responsibility to know what works best for you and to relate that back to the debt management service. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Love-Love When it comes to the relationship between you and your debt management service, you are always in control. Its always your serve, always your call, and if the company tries to wrestle that control away from you then you need to find a different outlet for your debt management. Maintain Control. Love-15 in the match with your debt management service Don't be surprised if - after you apply with that debt management program - they come back at you with something less than you initially bargained for: Higher costs. Higher interest rates. A longer projected timeline. This isn't your debt management service being mean, its them being real and forcing you back to reality. You will be deflated, and right off the bat you will be losing the game. 15-15 HIt back at them with a keen understanding of the debt problems at hand, with suggestions of your own concerning negotiations, budgeting, and consolidation tactics you wish to explore. Then just watch that debt management service squirm and stare in total shock - A person who can actually think for themselves? Thats trouble. 30-15, 30-30 You direct the plan, you call the shots and you make sure your debt management service does exactly as you say - but then you have to sit there and wait as the company does their part. because no matter how much you want to negotiate your own debts and your own APRs, as an individual you simply lack the experience and abilities of these companies. Simply put - you take what they give. 40-15 So that debt management service come back at you with a decreased amount of debt and a consolidation loan - its your turn. Start off on the right foot and keep up on the monthly payments., It should be easy - you are dealing with a single obligation now, at a lower rate and for a lower all amount than all your previous debts combined. And when you keep on working, keep pushing and paying, eventually you will win the day! Game. Set. Match. Sat, 26 Jul 2008 15:00:00 EDT