Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How to keep lowered interest rates? - I signed on to a debt management program to lower my interest rates on my credit cards. Recently the company went into bankruptcy and I had to scramble to make sure those creditors were paid and I could keep the interest rates intact. Although 2 of them were easy to deal with, I am having trouble dealing with the third. Are there any departments or people I could speak with to make a payment arraignment that would keep those interest rates without going through another debt management program. -