Debt Management Make a Plan Managing your debt and future income and expenses may be the right solution to help you regain control. Consider a detailed budget or the possibility of negotiating with creditors. Solutions Debt Management Detailed Budget Managing your debts can be as simple as putting together a detailed budget that includes a plan for paying down your debt. Negotiating with Creditors Managing your debt can also involve negotiating with creditors to see if they will work with you to make your payments more manageable so that they fit in your budget. Sometimes a credit-counseling agency can assist you with managing your debts but it is important to know if this is the right solution for you. Contact us to find out.