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All About Debt Management Plans (DMPs) What is a DMP? Even though DMPs are often referred to as Debt Consolidation — there is a difference. While DMPs consolidate your unsecured monthly payments into one, easy payment, they are NOT Debt Consolidation Loans. Debt Management Choices Credit Counseling Agencies (CCA) that provide the CareOne service have helped over 4.5 million people. Before you decide, study the pros and cons of the various debt relief options. Choosing a Credit Counseling Agency Your provider is the key to becoming debt-free through a DMP. Beware of providers who are less than reputable — their high fees and unethical policies can leave you in worse financial condition than when you started. Top Rated Debt Management Articles Budget Planning Learn essential financial planning skills to take control of your debt and solidify your future. Manage Your Debt Already in debt? Learn how to pay less and get out of debt more quickly. You have options when it comes to credit counseling, learn which one is right for you! Consumer Protection Laws Familiar with your rights? You are entitled to fair debt collection practices even if you have fallen behind on payments. Our Debt Solution Discover how a debt management plan: Helps you pay less Helps you pay off your debt faster Lets you make one simple payment per month Gives you money management advice for the future Helps you get the respect you deserve Who qualifies for debt consolidation? You can save money and get out of debt faster if you meet these simple requirements: $2,500 or more in unsecured debt Two or more accounts A source of income The CareOne Service Providers that offer CareOne Credit Counseling services are committed to providing the highest level of credit counseling and debt management advice.