 TITLE: How to Know if a Debt Management Plan Makes Sense CONTENT: Is a Debt Management Plan Right for You?\n----------------------------------------\nA debt management program may make sense if:\n*   Most of your debts are unsecured credit card balances.\n*   The interest rate reductions are especially favorable.\n*   You have a secure income.\n*   The payment is feasible for years and doesn't jeopardize your essential expenses.\n*   You're ready to make necessary budgetary changes to pay off your debt.\n*   You can live a cash-based lifestyle for a number of years. END