Too many debts signify too much burden. No doubt, each and every borrower tries to stay away from all sorts of debt dilemmas. And for that, they prefer to follow a proper debt management program. It is true that a proper debt management program enables borrowers to wave off the dark mist of debts and leads them towards a debt free future. At the same time it is also true that going for a debt management program, without taking any advice is like throwing someone to the wolves. Here some advices are penned in for the borrower’s favour.Debt management- these two words easily indicate that this program is about managing debts. Yes, this process helps borrowers to manage their debts properly. However, this process is clustered with various methods, like, debt consolidation, debt negotiation, debt elimination, credit counseling etc. Here individuals are advised to understand the methods and it will help them to understand the program of debt management.Debt Mnagement can be executed by consolidating all loans into one. This method provides borrowers one loans and one lender facility and help them to lessen their debt-burden. Nevertheless, debt consolidation is not the exact answer for every debt related question. Debt consolidation is not fruitful for those who have already consolidated their debts several times and for those who want to lessen credit card or store card debts.Credit counseling is also an important tool of debt management program. Mainly credit counseling is provided by various counselors of various organizations to enable borrowers to quench their debt burdens. By taking help of these counseling services, borrowers can easily repay their debts with smaller monthly repayment. In such cases, a credit counselor at first, judges the borrower’s financial condition and makes a plan according to this judgment. And by following this plan, the borrower can pay off his all unpaid bills. Sometimes, legitimate counseling service convinces creditors for taking lessen amount and arrange a longer period for repayment.In credit counseling, most of the time borrowers do not need to pay their bills directly. But, every month they make only single payment to the credit counseling agency and that amount is circulated among their creditors according to their agreement.Here, an advice for all the borrowers who are willing to take credit counseling service to manage their debts. At the time of meeting any credit counselor, do present all paperwork and documents, like proof of their expenditure, their income, the verification of their debts etc.And last but not the least, try to follow some procedure to manage debts. Such as, By making a proper budget regarding expenses and following it thoroughly, a borrower can reduce his debts. At the same time, one should try to maintain his expenses. Avoid overspending, but always spend money for relevant purpose.Debt management program is the perfect one that can solve all debt doubts. But one should be aware of from where he is taking debt management service. Debt management program is a program that enables borrowers to manage their debts. By taking a proper service a borrower can manage his debts very easily.