When a friend of mine lost her husband early this year, she was really devastated because she was left alone to deal with their debts. She has no choice but to take responsibility because her credit standing is at risk of being ruined if she doesn't do anything about it. Although she has a job but her meager salary is not enough to keep up with their mortgage payments as well as other utility bills. The little money she got from her husband's life insurance is no help either. The insurance company didn't give her the full amount because they saw some flaws in his medical records.

So before she gets in debt to her neck, we advised her to take advantage of debt management programs. This will help her stay out of bankruptcy, consolidate her payments into one monthly payment, lower down her interest rates, bring her delinquent accounts to current, and help end harassing creditor calls. Although she's still quite skeptical to heed our advice for fear that her credit score will suffer, she promised to take a look at the debt management programs offered by debtmanagementgroup.org. This non-profit debt counseling group aims to help individuals to be debt-free inspite and despite of the circumstances they're in.