How do I know whether a Debt Management Plan is right for me

See Do it yourself Debt consolidation, Settlement and Debt Management for a breakdown of the options. It's not possible to tell which one is best for you without knowing anything about your situation.

If you do decide to go with a debt management company, make sure that they are reliable. Research them on this forum and on the BBB website. also look for independant reviews on the internet.when you talk to them, ask them how their programs work, what they will do for you, how much they charge and what will be required of you. compare the cost of using them with trying to do it yourself. Make sure that their program is within your budget and will help with all of the debt you are struggling with. For example, if you want to put all your debt into one program, you will have to find one that will handle both secured and unsecured debt. You just have to do the research and look at the long term result of the program versus doing it yourself and deciding which option will help you save money, reduce your stress and help YOU sleep better at night.