Debt Management Guys was created to help people learn how to reduce their credit card debt. Many times you need to learn better budgeting advice. Other times, a debt management plan may help to reduce your interest rates as low as 0%. Perhaps you are behind on your payments with more than $10,000 in credit card debt, then debt settlement may be a healthy alternative to bankruptcy. Regardless of your situation, we want to help. With free advice in our forum and recent news and laws on our blog at http://www.debtmanagementguys.com/blog , we are here to help.