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1. Four top tips: Four highly recommended methods for managing debt are to track your expenses, cut spending, pay cash and establish an emergency fund.

2. Make timely payments: If payments to your DMP and creditors aren’t made on time, you could lose progress you’ve made on paying down your debt.

3. Know the differences: Debt management companies come in many forms, including debt consolidators, credit card companies internal departments (ironically), credit counseling organizations, and settlement attorneys.

4. Exercise due diligence: Research debt management services very carefully; the FTC has found that some organizations that offer DMPs have deceived and defrauded consumers.

5. One-stop shop: Credit counseling agencies advise you on managing money and debts, help you develop a workable budget, and offer free educational materials and workshops.

6. Never hurts to ask: A quick call to a credit card issuer often results in reduced interest rates; if not, convey that you’re considering transferring balances.

7. It’s up to you: No debt management solution will work if a consumer can’t responsibly handle credit cards and control daily spending habits and routines.

8. Lose the loans: non-profit community service organizations can often provide confidential financial guidance, free consumer credit counseling services, educational resources, and debt management assistance.

9. Helpful articles: Many consumer debt-management companies offer online newsletters with weekly educational tips for balancing your budget, making ends meet, and achieving your financial goals.

About the Author:

Article by Nakagava Ltd., creator of PiggyBob™, the first truly user friendly personal finance and time manager. PiggyBob™ is an extremely convenient tool to help you keep track of your income and expenses, plus a very useful calendar to record all important events in your life. All the data you record in PiggyBob™ can be handily visualized in graphs.