Hey If u think for the long term planning for ur financial future then as i think u have to go with the debt management company because they will help u to move out from the debt. And if u need any financial help from any bank or any finance company then it will be possible. ------------------------...

AS i think u r right because this will be in ur benefit for any purpose related to finance.

right , you have to take decision as per your conveniency which will be in your benefit

Really you will get the benefits as per rules and laws.

Really hope.
You can take advice of any financial consultant so he will really find out some problem .