I've $20,000 in credit card debt. I can hardly afford the monthly payments. I'm thinking to get enrolled in a debt management or debt elimination program. Which is better? Any advice would be appreciated.

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Based on the information you've provided, it's really hard to provide any specific advice here. Let me tell you that there is no program called debt elimination. Yes, you can avail the help of debt management program and for that you've to approach a consumer credit counseling agency or a debt management company, either.

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