A debt management plan is one of the best to help you find the right solutions and pay off your debts. Even though it is beneficial, there are a lot of ways it can affect you. One of the first problems with debt management plans is that it can hurt your credit score. This can easily be later redeemed after the debt is cleared. After you take help from the debt management plan, you can help stop the creditors when it comes to charging extra interest. There are also times where the creditors have refused the debt manager to help add interest, which can take longer to repay and help increase total debt. Visit here to know more about cheap iva.