Customers wonder most the times that if credit card loans are issued without security or collateral, why don’t the creditors secure themselves. And why do they issue them at an open source strategy. Even when they can avail surety, creditors let go of their loans on easy terms.Debt Management is not easy when it comes to unsecured loans. Yes, it is very tricky. Consumers think that they can get away easily from these loans because they are not mortgaged against any valuables. The trick behind this strategy is unique. If you continue to pay minimum payments every month then it is going to take 20 years for you to get rid of a loan amounting US$5000. In the recent crunched economic scenario even the smartest money managers of them all have an average of US$10,000 of loan per household.Why is it so? Why this calculation is awfully detrimental? The reason behind this strategy is to accumulate interests and additional charges from the debtors continuously and indefinitely. Yes, that’s right; the reason debt management of unsecured loans is so hard is because they are not bound to any fixed or specific repayment amount. In other words the more you are going to prolong the scenario for repayment, the more you end up enriching your creditor.People often fail to understand that the minimum payment they are making is contributing mostly to the interest and less towards the principal amount. This way with the principal amount outstanding, the creditors keep on retaining the interest with your minimum repayment cycle.Debt Management in the instance becomes the task of seasoned professionals, to get you free from the chains of debt.Though it may seem like an uphill task to get rid of this perpetual damage but things aren’t that tough as they may seem. A good debt management company can help you get rid of this debt-plague pretty smoothly. There are several strategies that they may apply in order to get you unbound of the chained-charges.