Walter E. Burch, Editor of CreditLearningCenter.com discusses debt relief, and specifically debt management plans through Credit Counseling Agencies. Unsecured debt, such as credit card debt, medical bills, and other debts not secured by collateral (such as a home or automobile) or eligible for debt relief through debt management plans. Under a debt management plan, an individual may receive relief from credit card debt via lower interest rates and reduced or waived penalties and late fees. In addition, medical bills may also be part of debt management plans -- as well as any other unsecured debt. A debt management plan typically provides debtors with relief two main ways: By combining all unsecured debts into one easier, more manageable payment, and by providing individuals with a definitive date when unsecured debts will be paid off. For more information on debt management as well as personal credit scores and reports visit www.CreditLearningCenter.com.