The other type of DMP companies are fee-chargers, who ask for a certain amount of money for administrative purposes, and after that you need to pay a certain percentage from the monthly payment to the creditor. Working with such a company involves a lot of risks, including the possibility of bankruptcy, wich is a declared enability to pay to your creditor. However if you are engaged in such a situation is very important to understand and see your possibilities clearly. For this it would be a resolution to choose a personal counselor, who has experience in this field, and helps you to work out the best strategy to solve your problem. It is also important not to be late with payments. An easy and safe way for this is the e-payment, through the Internet. Some creditors wait until you pay three consecutive month before they offer any benefits.

A relevant rule is that once you are working together with a DMP company you musn’t accept any additional credits, because in the end you will pay more than your initial debt was. If you don’t have your creditor information, a credit counseling software would be necessary to you, to get all the information you need. Choosing the right DMP company is important, and you must take into consideration a few aspects, such as:

	obtaining lower payments
	reducing rates
	paying in time
	you must access your account anytime you want
	it would be usefull if you could benefit a personal financial education
	your informations must be treated completely confidentially
	to help you getting out from your debt in a few years without a loan
	it is important to ask the company to offer you the possibility to pay more than your fixed payment is, if you want or if you get the possibility with time – in this way you can get out of this situation faster
	your company can make possible for someone else to make the payments but only with an official authorization letter

Finally we can say that Debt Management programs are developed to help people dealing with unsecured debts to consolidate their financial status, and to prevent falling back in such a situation they help with personalised educational programs.