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terrasonics

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Do i have to close my credit cards if i do a debt management plan?

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Depends on the requirements of the company doing the debt management.  If you read the articles on this site (look on the left side of the page under RESOURCES and scroll down to Articles) you will learn better how to properly handle your credit yourself and may not need a debt management plan.  That would be a far better idea.  Credit Karma is about teaching people how to build a good credit score, which is something that can be achieved only by properly managing one's debts and payments.

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