Don't make the mistake of assuming all is well just because you've taken steps to set up a debt management solution. You must review each and every one of your bill statements every month. If your bills are not being paid the correct amount, or are not being paid at all, that is a HUGE red flag that there is some monkey business going on at the agency you are working with. You need to spring into action immediately! Contact both the Federal Trade Commission and your state attorney general's consumer protection office for help. If your payments to the agency administering your debt management plan are being automatically withdrawn from your bank account, contact your bank to terminate those withdrawals. Resume paying your bills yourself, and make the payments on time. Contact all your creditors immediately to notify them of what has happened and try to negotiate a payment plan with them yourself. Finally, visit the National Foundation for Credit Counseling's Web site, and use its search tool to find a truly reputable credit counselor to help you get back on track.