| http://www.w3.org/ns/prov#value | - here is a brief idea of how each option works:Credit counseling: This is where you contact a credit counselor and get help with budgeting and other tips to help you manage your bills on your own.Debt management plan (DMP): If the counselor finds that you need more help, they may recommend a DMP. Under this plan, a counselor works out payment arrangements with your creditors.
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