If you are availed with two options for selecting one from, selecting debt while on other side selecting a tens free life. Then the answer of 100 % of people will be same and that will be certainly a tense free life. There are many credit cards owned by people on which they are unable to pay the amount of the debts. Thus, it is always advisable not to take any chance with debts and adopt debt management services to get a complete tense free backup, which is made available.  Debt management provides many essential services out of which the most important one Is debt consolidation.