If your partner has a judgment entered against them for unpaid debts, your joint funds may be locked until the debt is paid, even if your partner incurred the debt without your knowledge. Many credit counselors can create debt management plans (DMPs), which put your debt repayment on a schedule and often structure your repayments so you pay the credit counselor rather than your debtors directly. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services.