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While in debt management, will we be able to sell our home and buy a new one; may be relocating, but would like to get our debt down in a more “comfortable” state.

Sure, you can buy and sell real estate while in a debt management program. However, it will be noted on your credit score that you are seeking debt assistance and therefore may have a small impact on your new home financing. Of course, the ability to obtain a new home loan depends on so many factors that the mortgage company will take into account and the fact that you are in a debt management program will only be one factor.

A lot also depends on your time horizon. Debt management programs are typically spread out over 5-7 years so it is not a short term process. In my opinion, it is always better to start getting out of debt as soon as possible, with or without help. Good luck to you.