If I had it to do over again, I would declare bankruptcy rather than be in a debt mgmt program. I am currently paying a huge amount of money to a debt mgmt program (not this one), and I can hardly afford to eat. I have to live in a ghetto apartment because that is all I can afford. Forget about having any money to go to the doctor or paying for car repairs; you cannot do it. The company I am working with does not allow you to have any credit while you are paying off your debt. So, it has been a huge struggle for me. I was not able to make payments on my car because I owed so much to the debt mgmt company and they would not even lower their monthly fee of $40 for me. So, this is NOT working for me. I have two more years of this hell to go and unless I get a huge substantial raise at work, I hope and pray every day that I do not have to go to the doctor or have anything go wrong with my car.