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Debt relief, aka debt management, programs offer to reduce what you owe on your debts, making it more affordable to become debt free. The way it works is, they determine amount for you to pay to them each month. They compile that money until there is enough for them to make a settlement offer to one of your credit cards. If the credit card accepts the offer, the account is paid, and money is again compiled until there is enough to make an offer on another credit card. While you are in the program, monthly payments are not being made to your creditors.