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Abaliyah1
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Always assume that "debt relief" programs will have disastrous results until proven otherwise (post more details and we can explain why the one you are considering is a horrible idea).

 

How many debts are there, and what type are they (credit cards, student loans, mortgages, margin accounts at investment brokerages, casino LOC, payday loans, the third and fourth installments owed to Affirm for some leotards you bought in May, etc.)?

 

Are your debts current or charged off? 

 

There isn't one cookie cutter answer for every situation, unfortunately.  We can make some recommendations if you provide more details.

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Concur with CV...more information is needed regarding types of debt and the amount of said accounts (to include the APR currently in place).  Status of the accounts will ALSO be beneficial as guidance for a current account is different than a delinquent account.

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