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Those who are suffering from some form of financial difficulty, and are unable to make the required payments to creditors, can access a number of different forms of help. There are several non-profit organizations and charities which can provide debt counseling. This will help people to learn responsible budgeting and financial management, and will often involve setting up a debt management plan to pay off the debt at a rate which the person can afford. Those who have access to a lump sum of money may be able to negotiate full and final debt settlements with the creditors, where the debts are written off in return for a proportion of the total money owed. This can be acceptable to creditors because they may get more money this way than by forcing the debtor into bankruptcy.