In this video I provide 5 questions you need to ask any debt management settlement or debt management company before choosing there program.   #1 How will your program affect my credit report? #2 Will be there be any tax implications when using your program? #3 How much is your fees up front and or monthly? #4 Will your program payback 100% of the debt? #5 Who sets the guidelines for your program your company or the creditors?