Please clarify for me...if you ask for help with debt management company they can get the interest frozen or cut and then just pay off from that point onward for 5yrs.? I so need to breath again myself...paying from pay to pay just to do the credit card & loan isnt a way to live no more. I have a good job also for over 20yrs with the same company..want to pay my debt but need a break from high interest or no interest would help for sure. Credit counselling or credit management are they the same ?
