Yes, almost certainly. Creditors want to get paid as much as they can, but they also understand that some money is better than no money. In other words, creditors participate in debt management programs and will accept payment through the sponsoring credit counseling organization. Credit Advisors Foundation works with Visa, MasterCard, American Express, Discover, major banks, credit unions, finance companies and literally tens of thousands of others in an effort to help you manage your finances.