'Debt management' means, in a nutshell, 'managing debts' like credit cards, overdrafts, personal loans, store and catalogue credit and any other form of credit that isn't secured against a property. It's only necessary if you're having trouble with your debts and can't afford the payments anymore.
A debt management plan is a repayment agreement between lenders and borrowers.
While a debt management plan can't prevent legal action if payments were missed for any reason, and lowering
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