Any debt negotiation or settlement company will devastate your credit rating.
They allow bills to go unpaid for months on purpose.
They need to collect their fees from you first – which can be thousands.
remember this is free info in the books.
If you are in serious trouble and don’t like to read books for some reason contact.
NFCC.org
They are a government non-profit agency.
The reviews call them angels.
Go to the site – get the 800 number, make an appointment at a local office.
There is no charge for this for most people – max $ 25/ month.
They will put you in a Debt Management Program.
Yes, they will embarrass you – that the only negative thing – they will request that you bring all your credit cards and cut them up in front of them.
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