If you are not behind on payments, then I would advise against debt settlement. I know its hard and annoying having a burdening debt, but it better to stay on top if it like you have been then to risk much more. I know what I am about to say next is elementary and you already know it, but the problem is most people dont do it. You really need to get back to basics and save as much as you can. Eat out less often, don’t buy things you really don’t need, don’t get an extravagant car right now. I often compare it to weight loss. Everyone knows they just need to be strict with their diet and expend more than they consume, but for some reason they look for other answers to weight loss when they already have the answer. Its much like spending and saving. If you need to burn 3500 calorie in excess of what you consume each week, then YES that small candy bar will set you back even if you did just run. So YES, that $50 dollars you spend on whatever is just another $50 you can’t use on your debt. ALSO, use your resources…if you know someone at a bank get a loan at a lower fixed interest rate, if not for the full amount, partial. I received an unsecured loan from a bank through a friend and it allowed me to pay off my debt much faster. Or get a credit card with 0% for a year, transfer as much debt as possbile, then pay minumum payments or such, and higher payments to high interest credit cards. It’s just managing and being very disciplined for a period of time. hope this helps.

They will most likely ask you to go past due on your credit cards so they can obtain setttlements. This will ruin your credit and possibly get you sued. Why not refinance the home? Shoot me an email and we can talk more about this.

found a website for them,
not sure if this will help..personally i’ve never used them.