Is it safe to rely on Debt Settlement Program to free from one’s credit card debts? How about credit score?

I recently heard on radio about a debt free program. They officially negotiate on your behalf with the credit card companies. What may be the Cons? Is it safe to rely on Debt Settlement Program to free from one's credit card debts? How may it affect one's credit score?

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Have anyone used any Debt Relief program to reduce credit card debts?

I have about k worth credit card debt and my wife have about k as well. All are in individual account where I only want to try this Debt Relief program that I hear many time over the radio ad. How does this work? Have anyone used it? Does it work like what they claims? [...]

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Is is better to pay off two smaller credit card debts or pay a big chunck of a card with a larger debt?

Suppose you were given 0 (friendly relative), you have three cards with debt. On two of them you owe 0 and the last you owe ,000. Is it better to pay off two credit cards that are 0 each,or pay the minimum on those cards and the rest towards your 00 debt?

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How do I go about consolidating my credit card debt?

I have a good credit score, last time I checked about 6 months ago it was about 720-730. Recently I have acquired a big credit card debt, about ,000 on one credit card (with a limit of ,000) and about ,000 on another one (with a limit of ,000) for many different personal reasons. After [...]

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