Most of them give the same deduction. Its really the credit card issuer that accepts a proposal that the company creates for you. But I do know that the agency with the lowest enrollment fee and maintenance costs is ConsumerCredit.com They have a chart on their site that shows the differences.

They also have a lot of information about saving money, and calculators and stuff. You can call them for free and talk with a certified counselor with no obligation.

Good luck. Big credit card debt is a !@#%.

The discount you get depends on the amount of debt you have and your creditor. If you go for a reputable company like freedom debt relief then the chances are that you get maximum benefit. I did my settlement with the help of freedom debt relief’s debt reduction program. I am pretty satisfied with their service, they even have a good track record, so you can go with them.

It depends on the amount of debt you have…how much do you have?

Each debt consolidation service involves different criteria. All of them start with you gathering all your credit statements to total your debt. Choose a non-profit service for non bias help. Stay away from the online debt consolidation services if you can in my opinion, unless they have a brick and mortar office.

Run and run fast from these companies.
I can’t tell you the number of complaints on here about them.
They only take your money, tell you not to pay your bills, they don’t pay your bills, and you end up in court anyway.

Please google debt negotiation complaint to see how it all works.
If it works, you will have paid thousands of dollars that you could have paid to the credit card companies yourself.

Get a book on debt.
It will teach you how to negotiate, reduce interest, or settle.

Or google NFCC.org
national foundation for consumer credit councelling.
click on an office near you, and make an appointment.
There is no fee for this federal program.

You can do this yourself – don’t get taken by horrendous crooks…..

I wouldn’t use any of them they are rip off artists. They take your money and do nothing, been there done that. Go to Consumer Counseling, in every city or county, it is free, non profit and they don’t charge but they will contact all the places you owe money to and get you with lower payments and great ways of getting out of debt !! They are well known by all companies and acknowledge Consumer Credit Counseling as serious and good to work with .