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For People on Debt Management Plans (DMP): A Must-Do List Reputable credit counseling organizations employ counselors who are certified and trained in consumer credit, money and debt management, and budgeting. What Are Debt Negotiation Programs? Are you drowning in debt? A debt negotiation program may be the answer. What Is Debtor Education? Bankruptcy Post-Filing Debtor Education How Senior Citizens Can Simplify and Organize Their Finances Everyone can use some help getting their financial affairs in order, but especially senior citizens who may face special challenges and decisions involving money management later in life Dealing with Debt – There Are Solutions Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?