debt management companies - are they worth it?

[Roadrunner]

Are Debt management companies worth using and if so which ones?

[Sapphire]

Re: debt management companies - are they worth it?

You can do all you need to do by using the letters that are available here MANAGING YOUR FINANCES - Legal Beagles, there are various guides to help you along and of course you can start threads and get help and advice too, but you do need to be disciplined.

Debt Management Companies charge you commission, personally I can't see the point in paying out for something you can do yourself and for free.

Obviously if you really must use a DMC then the best are the free ones like CCCS.