practices for managing debt
There are many useful debt management software available. One could try debt management software such as Credit Soft, for managing debt in an easy way.
In today's economy it is great you are looking to reduce your personal debt. I would only recommend using a debt management group if you are not good at budgeting and managing your funds.
permission to use the work, pay for licence
There are many good debt pay down calculators available online. You will need to know the amount you owe, the interest rate and the length of time in which you wish to be debt free. Reference http://www.bankrate.com/calculators/managing-debt/credit-card-payoff-calculator.aspx
One can find a number of websites online that specialise in offering advice on managing debt. One can visit the Money Saving Expert website where there are specific forum areas designed for offering help and advice on managing debt.
Managing stress effectively (Apex)
There are companies that offer assistance with getting out of credit card debt. It is possible to get out of credit card debt by carefully watching spending and managing income and expenses, then slowly paying off the debt.
factoring.
yes no. There are not. Or are there...
Debt and bill consolidation works by grouping all of someone's debts or bills into one large debt. The purpose is to help people who are having trouble managing many debts.
No, debt is good 4 no one!!!
Good debt is an investment helps to build credit. Bad debt is the amount that the entity has lost.