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Debt Management issues and monitors all State debt secured by a pledge of the State’s taxing power, and helps to determine the amounts to be sold. Bond sales are scheduled at the most appropriate time for marketing. Debt Management is one of a number of debt solutions available for people struggling to pay off their debts. MRA offer free debt advice and counselling. Debt Management Counseling is important for keeping finances on the right track. Debt management is typically for small businesses on the verge of bankruptcy, but this isn’t always the case. Sometimes it’s better to use debt consolidation sooner rather than later.