Can you recommend any debt management programs?

I am not licensed to practice law in your state.
These comments are made for educational purposes only and do not constitute legal advice. No attorney-client relationship exists between us.

The debt consolidators, managers, negotiators, and settlement companies are essentially the same. You are being asked to pay for something you can do yourself. Plus you don't know if you ever get any service for the fee. You might want to consider self help plans like Dave Ramsay's Total Money Makeover.