http://www.debtfreepower.com/debt-management/debt-management-service.html Not sure what a debt management service is or where to find one? We sure know. Read our update to see what a debt management service has in store for you. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 What is a DMS? In so many words, a debt management service is any professional service that aids you in combatting the unsecured debt you have so recklessly accumulated. If you are suffering from debt, but you are not sure if it is unsecured, please read the following paragraph. Unsecured debt is any debt that has no collateral or tangible asset attached to it. This type of debt includes credit cards, department store credit cards, non-government student loans, medical bills, utility bills, and personal loans. Does this sound like your kind of debt? If so, it's time to consider a professional debt management service. What programs are available? There are a number of debt management programs currently available. Because no two debts are alike, no two debt management programs are alike. The industry recognizes that different people have different circumstances and debt stems from many places. For that reason, you can rest assured that there is a debt management service that is right for you and your circumstances. Take a look at some of the forms of debt relief available: consumer credit & debt counseling debt consolidation debt settlement debt consolidation mortgage student loan debt consolidation debt consolidation loan Is each debt management service effective? If used properly and depending on your circumstances, yes. But the only way to find out what is best for you is to do two very important things. First of all, you need to research extensively in order to educate yourself and build a foundation. Secondly, once you have exhausted your resources, contact a professional for a consultation. The debt management program they have in mind for you may be the complete opposite of what you had in mind. Sat, 26 Jul 2008 15:00:00 EDT