Online debt management was the woman’s all consuming passion after a collection agency bully had threatened her with wage garnishment and told her she was a dead beat mom. With tears flowing down her face, she had trouble even pounding out key search words, but eventually she found a national company she had heard of before and began talking to an agent. Online debt management companies are but one part of the network of credit counseling services, with many of them independent and working under the non-profit moniker, located in towns and cities all across the country. The agent was kind and sympathetic and told the woman that two million American people used the service of online credit management companies or local credit counseling agencies in 2007. The particular company that the woman had chosen was a non-profit organization and that gave the woman some comfort. All credit counseling, with online debt management being no exception, begins with asking the client about income ... Read more!