We are considering debt management. We know that we would benefit from it. I guess we are worried about our credit and how it will be affected, we own our house now but would like to move at some point. Just now sure how that will be affected. We did contact one agency, and the man suggested to me to contact our credit card companies and try and lower our interest rates first, since we have never been late on a payment. He thought since my husband makes a good income that we shouldn't do a debt consolidaiton.