Before discussing about the debt management first I tell you about the debt. The debt is the financial credit amount that we borrow from the family or friend's side or from any financial institution under the same types of terms and policies. The returning way of the credit is depending upon the term and policies of the institute or a person. The term and policies are set up between the creditor and the debtor before issue the credit amount; sometimes it's on monthly installment or sometime in the shape of the interest. But most people can't understand the ways of the returning policies of the credit for this the person hires the policies and plan of the debt management. The debt management is a professional team; they are professionally trained in managing the financial flow. The debt management required some sort of information related to your financial flow for generating the plan according to your situation and according to your budgets; they calculate all of your income,..