Introduction: Let’s Talk Honestly About Debt Let’s be real for a second: debt is stressful.If you’ve ever opened your mailbox and felt your stomach drop seeing another credit card bill, or if your phone rings and you’re scared it’s a collector — you’re not alone. How Debt Management Affects Credit Score in USA, Millions of Americans are in the same boat. In fact, the average household carries tens of thousands of dollars in debt. And when you’re buried under it, one question keeps haunting you: 👉 “If I join a debt management plan, what will happen to my credit score?” I get it — because your credit score feels like…