Our mission is to get you entirely out of debt as you are never stronger than when you owe no one. However, there are occasions where credit cards, used wisely, make life easier to manage. You can leave a creditor off the program as long as the other creditors allow it. Some creditors require ALL debts to be on the program. As you go through your counseling session, ask the person helping you for a list of creditors requiring all debts on the program.