I OWE ABOUT 20 K TO THREE DIFFERANT CARD COMPANIES. SHOULD I TRY A DEBT COUNSELING COMPANY OR CAN I NAGOTIATE MYSELF WITH THE COMPANIES OR WILL THEY REALLY LOWER MY DEBT.
Yes. Seriously, it really depends on if you can afford to repay your debt. If you can’t check out bankruptcy. If you can afford at least your regular minimum payment, click here for credit counseling information.
Bottom line, Vern, you need to accept some responsibility for checking out all your options to be able to make an informed decision about what will be the best path for you.