Clients usually enroll all unsecured debts with balances over $1,000.  You may keep out an unsecured debt with a balance under $1,000 if it remains under $1,000 while enrolled.  You may also keep out credit cards that you can pay down and keep under $1,000 within six months of enrollment.  If enrolled creditors see that you can pay other accounts with significant balances, it could make it more difficult for your negotiator to obtain the highest possible savings for you. Your Texas Debt Specialist will discuss any exceptions after reviewing your creditors and situation.