Debt Consolidation or “Debt Management” plans can help consumers get bill consolidation on Credit Card and other types of unsecured debt such as loans, lines of credit, and medical bills paid off much faster than making minimum payments. When you consolidate credit cards and other debts thru one of these plans your interest rate should drop and your over all payment may be lower. By getting credit help collection calls, late fees, and over-limit fees should stop once enrolled.