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If you lower your payment alone, you will only be making less progress towards paying off your debt, ensuring you'll be paying on the account for longer. It also provides you the accountability you need to pay down your debt at the same time as lowering your payments. This will save you time as well as money. Because the debt management company can work with your creditors to negotiate a lower interest rate, the payments you make each month will be more productive, even if you might be able to pay less. Another benefit of the debt management plan is that you only have to make one payment each month. By working to pay off your credit card bills, you won't have to worry about
