I am also a disable person as well. I would like to tell you
1. debt management plan is a good idea for people who are have money issues at this differcult time for you.
2. Most banks cannot help you with your finanicial issues if you got problems with money my advice is to get to dmp and they can help you. But the banks will charge you for interest and debt interest which i am against it
3. payplan or other debt management planners are offer free of charge advice which is excellent.
my advice is to stick to dmp and let them deal with your debts.