There are a number of reasons why your payments may be lower in a Debt Management Program (DMP). A DMP may be able to set up lower monthly payments through negotiations and/or agreements with the creditors. Typically, Credit Advisors Foundation makes arrangements with a client's creditors to reduce interest rates or sometimes even dropped. Creditors respond well to our services; they understand that you are trying to fulfill your obligations, versus filing for bankruptcy or simply not paying bills at all. Because of this, they work with us to lower or eliminate fees and interest. Some creditors are more willing to extend beneficial terms within a Debt Management Program so they can avoid the expense of turning the account over to a collections firm or the even more costly route of trying to recover money through a bankruptcy. A plan sponsored by Credit Advisors Foundation results in a positive outcome for both the creditor and the consumer who owes the money.