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A financial debt management program is a solution to debt relief for people who need modest, not severe, help.  What should be considered is what your unaffordable monthly unsecured debt payments are in relationship to your income.  If your monthly credit card bills are a lot more than you can reasonably afford you are likely beyond the ability to benefit from the help of financial debt management.  If you are able to only pay the minimum payments each month and are not able to pay off any of the principle balance then your financial situation is leaning more towards severe and you should consider a credit card debt settlement program over debt management.  Only being able to make minimum payments is referred to as being on the credit card “treadmill”, you go nowhere and make no progress.