Has anyone ever worked with Money Management on their debt? I am confused on which company to go with. I am confused on what is the difference between debt consolidation, debt management, debt settlement, etc. There are a ton of choices and I am speaking with three different companies. One has lower payments and fees, but are they going to hold my money in an escrow - have my credit payments be late and then try to settle? I am so worried about which way to go.