credit card debt? I have credit cards with high interest rates and I have a large amount of credit card debt over $20,000. Do these debt reduction or law firms really help? How does this affect my credit score? I need to pay off and reduce my monthly payments at the same time.

some take a large fee and don't wind up helping you at all

I was skeptical for a long time but a friend referred me to one, explained the principals behind their plan to get me out of debt and it actually worked. I make my last payment in November and I will be debt free. Check out the free evaluation form at www.totaldebtsolutionsllc.com ......they can plug you into a program to get you debt free within 36 months without crazy-high payments. Your credit may take an initial hit but if you are maxed out on your credit cards right now, and can't use it, it isn't of much value anyhow as I see it. You are doing the right thing to gather info so you can make an informed decision. Good luck.

most of the will try to cosolidate your credit into one monthly payment but some charge a fee a lot of credit companies will reduce your intrest rate if you ask , man that is a lot of debt! and i thought i was the only one out there in trouble-Aaron