Debt management plans. do they work?

Credit and mortgage advice Forums Consumer Credit Debt Management Debt management plans. do they work?

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      I find myself a little overwhelmed with debt. I want to use a DMP to get out but the only ones i can find have a 4 year term and they payment is to high for me to make. Can anyone offer anysuggestions of how to extend the plan to decrease the monthly payment. Thank you

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