If your debt settlement or debt negotiation agency wants to enjoy a full featured, fast, efficient solution that will run your agency exactly as you need it to, Debt Manager is the best choice. There are other options, but these are software systems that were originally created for credit counseling companies, which have very different financial processes and customer relations problems that do not "match" the situations you have in negotiating settlements for your clients, or in dealing with creditor relations. Developers have written changes into these systems to adapt them to debt settlement and negotiation services, but this is not the same as having a dedicated solution.