What is a Debt Management Plan, and why should I enroll?

It's Friday night and you just sat down to watch your favorite show. A few moments later a commercial comes on. That's right, another credit counseling agency promising to lower your interest rates and stop collection calls. If you're cynical or what others consider to be a skeptic, you'll get up and deem this as an opportunity to grab a drink before your show resumes. However, if your values oblige you toward proper money management, you'll grab a piece of paper and a pen and quickly jot down that phone number. Free call. Free Analysis. Why not? Grab a drink during the next commercial. What's all the hype about anyway? Well its all about "credit card debt" in a nutshell. Most of us have it and truth is, we all want to get rid of it. Let's face it, credit cards can be a GREAT thing,…