http://www.consolidateunsecureddebt.com/free-debt-management-programs.html Free debt management programs aren't totally free, but free debt management programs are still a good option. en-us Fri, 24 Feb 2006 14:16:09 EST Fri, 24 Feb 2006 14:16:09 EST Weblog Editor 2.0 Are free debt management programs really free? Yes and no.... When Free Isn't Totally Free You've heard the phrase, "There's no such thing as a free lunch." This is one of those things you might not entirely understand when you're young, but what it means is there's usually a cost associated with everything, even if you're not the one bearing the cost. When it comes to free debt management programs, they aren't totally free. But that doesn't make them bad. Usually, "free debt management programs" means some portion of the debt management service is free, like the initial consultation. Some debt management programs suggest credit counseling, so maybe the credit counseling portion of the service is free. In any event, free debt management programs are usually not as expensive as other debt management programs. The fees for free debt management programs are usually affordable. After all, these people know you don't have a lot of money. If you did, you probably wouldn't be in debt. They'll make sure their monthly payment is something you can afford. Their goal isn't to put you back in debt--it's to get you out and keep you out. And just because free debt management programs are cheaper, don't think they don't offer the same high-quality programs as their more expensive counterparts. Just like other debt management companies, a free one will make sure you get enrolled in a good, effective program that fits your situation. And they'll guide you toward the free debt management program that's best for you. In this case, the phrase "You get what you pay for" couldn't be further from the truth--and that's good. Fri, 24 Feb 2006 14:16:09 EST