Debt Management Services Can Be Your Lifeline. Millions of Americans struggle with debt, but there is hope! Debt can feel like a bottomless pit, with each payment barely making a dent. You might be juggling multiple creditors, interest rates are draining your income, and the stress is keeping you up at night. If this sounds familiar, you’re not alone. Debt management services can be your lifeline, offering a clear path to financial freedom. Debt settlement programs use a third party to negotiate lower balances and interest rates on unsecured debt.