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Here’s What You Need to Know About Debt Management Companies and Your Alternatives  If you are an individual facing significant financial strain due to substantial debt, you are not alone. In fact, according to the U.S. Department of Labor, over 77% of American households are currently carrying some form of debt. TheManaging debt effectively is crucial, as the average American will accumulate a staggering $104,215 in debt over the course of their lifetime. (Source: Debt.org). With these numbers in mind,