You've taken a wise step toward managing debt by setting up a debt management plan. Now, you need to make sure the plan stays on track. Always, always make regular, timely payments to the credit counseling agency with which you are working. If you pay late, your debt management plan could be canceled, and you will lose the benefits the agency negotiated on your behalf. You should read your monthly statements promptly to make sure your bills are being paid according to your plan. Finally, if you find that you are unable to make a scheduled payment according to the terms of your debt management plan, contact the agency administering your plan immediately.