Debt management plans. do they work?

I find myself a little overwhelmed with debt. I want to use a DMP to get out but the only ones i can find have a 4 year term and they payment is to high for me to make. Can anyone offer anysuggestions of how to extend the plan to decrease the monthly payment. Thank [...]

Has anyone heard of debt negotiation companies? Do they work and are they legitimate. How will effect credit?

I have spoken to one of these companies who has advised they will be able to negotiate my debt down to approx. 40% of original debt. There has been a major event in my life that does not allow me to continue normal payments. I would prefer not to file for bankrupt.

Anyone had experience with credit card debt settlement ? Are they truth? Any recomend for the debt settlement?

HAS ANYONE WORKED DIRECTLY WITH MY DEBT NEGOTIATION TO SETTLE CREDIT CARD DEBT . WERE THEY A REPUTABLE CO?

How can I eliminate debt legally and who can I trust and how do I know if they are honest & not a scam?

Credit card consolidation companies are they real and who’s the best to refer to get ride of my card loans?

Do they still play the InCharge Debt Solutions commercial?

Are there any reputable, established debt settlement companies or are they all suspect?

Have searched and searched for a debt settlement company that has a good reputation of standing. So far, all seem have a lot of customer dissatisfaction. I never seem to read more than one or two compliments on any given company. Any way to find a legit one?

Do credit card consolidation programs really help & how do they work ?

is debt negotiation the same as bankruptcy? how are they different from each other?


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