I’ve been researching debt settlement programs and they sound like a good option. Has anyone been able to negotiate with CC companies on their own to avoid the several thousand dollar fees?

National Debt, consolidation of certain enactments relating to the National Debt and the Director of Savings: Lord Chancellor’s memorandum

I see commercials all the time about debt settlement but is it just a scam? Has anyone ever used this type of program and if so, what were your results? Thanks!

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