Are you drowning in credit card debt? Stressed and not sure how you’re going to afford to keep your head above water and make your next payment? You’re not alone and I’ll admit, I’ve been there, too — and I survived. The first step is realizing that no matter how bad it is, you do have options and there is a way out. There’s debt settlement, debt consolidation, and even bankruptcy. But before you decide on any of these options, there’s another one to consider — a Debt Management Plan (DMP).