Can I do debt management all by myself?

Yes! You can do debt management all by yourself. Most creditors will be eager to help you meet your debt obligations because they want to help you avoid bankruptcy.

Bankruptcy is troublesome for the lenders.

Well, negotiating with the creditors require professional expertise. So, it's better to opt for a professional help if you want to enroll for a debt management plan. Read https://www.debtconsolidationcare.com/debt-management.html to know more!

Yes. You can do it. You can negotiate with creditors to lower your interests and arrange an affordable payment plan. But you need to have good negotiation skills for that.