A debt management plan focuses on negotiating with current creditors to come up with a way to repay your debt without lowering the balance owed. (valuepenguin.com)
Current creditors sometimes do this to see how you are doing credit wise and check for potential credit problems. (consumerbadcreditguide.com)
As long as your accounts are current creditors probably won't think twice about giving you a debt settlement. (debtsettlement.com)