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Debt management services refer to programs or plans designed to help individuals or businesses effectively manage their debts. These services typically involve working with a financial professional who can provide guidance on debt consolidation, negotiating with creditors, creating a budget, and other debt management techniques. The goal is to help individuals or businesses reduce their debt, avoid default or bankruptcy, and achieve financial stability over the long term. Debt management strategies services may be offered by financial institutions, credit counseling agencies, or other debt management company.