If I am not behind on my payments

Hi irishchic! You can still take services of the debt management even if you are not behind. No doubt, this is helpful for those who are behind in their payments. It will be helpful in your case too. You will get the benefits of lower interest rates. The debt management company will inform your credit companies about your enrollment in the program. They will be in touch with them for reducing the interest rates and frame the payments suitable to your financial situation. Your creditors will be assured that with the help of the consolidation plan, there won't be any possibilities of accounts going to a delinquent state and you will be regular with your monthly payments in the plan.