Debt Questions

I have a lot of cc debt. I don’t know who to trust as a debt settlement professional. Does anyone has any experience in that?

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As far as I can tell "debt management programs" are really just friendly faces of creditors that aren’t interested in helping you as much as they are creditors. My wife was using one when we first married and they screwed everything up. It also destroyed my wife’s credit for 7 years and charged her monthly to do it!
Are there any ones that are actually out for the little guy?

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I have a debt on one credit card (my first) and was thinking about seeking the assistance of a debt settlement agency. Is this a good idea? Which company is most trustworthy? How can you tell which company to trust?

Thanks!

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