debt management programs

I heard about Incharge debt management which is a non-profitable organization, does it really help you repair your credit sooner?

I don’t know if it will help clear it up faster, but I can tell you that after you use a debt mgmt. company that in the future creditors will look at it as a settlement and that it reflects on your credit standings as bad as a bankruptcy. I have also been told that a debt mgmt. company cannot do anything that you cannot do yourself as far as contacting your creditors and settling debts.

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