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Debt Consolidation Don't #4 Some Debt Management Programs Offer Better Rates If you are looking for a debt management program that will negotiate your monthly payments lower and think you have found a company to do so then you are being misled. Debt management programs and credit counselors do not negotiate how much you have to pay because you must pay back your debt. They simply help you make payments to each creditor every month and they also work with creditors to work with you on your repayment options, but forgiving debt is not going to happen. Sometimes, these programs will work on debt settlements, but don't fall for this if you really want to save your credit and pay your debt off. Debt Consolidation Don't #5 Debt Settlement is a Great Option Many individuals believe they can enter a debt settlement program and simply pay off a fraction of what they owe and get out of debt faster. However, the debt settlement option is the worst way to go because you will severely hurt your credit and end up being the victim yet again. Instead, work on making your payments, talk to your creditors, and try to work out a payment plan beneficial to all parties. If you stay in touch with your creditors they are more likely to work with you than if you never return phone calls or respond to their letters. Debt Consolidation Don't #6 You Can't Get Out of Debt Alone Many people believe they cannot consolidate their debt on their own but need third party help. This is not the case at all because you can do it all on your own if you know what to do and what to ask for. First of all, consider getting a home equity loan and consolidating your debts that way or else calling all of your creditors and asking for their reduced interest rates for individuals having tough times. You can reduce your debt on your own, and frequently it is the best way to go, you just have to get out there and do it. Debt Consolidation Don't #7 Debt Consolidation Saves Money Sometimes debt consolidatio