I am told that I should immediately stop paying my credit card bills to get the attention of the lenders, so they will be more open to negotiations. And I should refer all contact to the debt settlement company. Is this normal?\nI\’m not behind on any bills right now, but it\’s looking likely that I will be in a short time.

I am behind in my bills and have an opportunity to go on a Debt Management Plan, but need more info to see if it is a good idea for me.

I\’m thinking about using a credit counseling bureau or debt repayment plan but I\’ve heard a lot of conflicting information about them in my research. Do you have any personal experience with it? Would you advocate it? Thanks.

We are about to start a debt management plan through CCCS. One of the first questions on the application is do you have over $1000 in medical bills. Why do they ask this? Will they help with these bills?