
With the current economy, and my work hours being cut, I’m in need of some serious credit card help. It’s now a choice between the credit cards and housing/food. If I could reduce my debt and make significantly lower monthly payments, it would be a life saver! Do any of these companies really do what they say? Also, what would be the impression on my credit ( as opposed to bankruptcy ), and how long would it take for this to drop off my credit bureau. I’d appreciate any advice.


