You may also be able to negotiate with creditors by yourself or with the help of a credit counselor to have interest rates and minimum payments lowered. (debtfirms.com)
Be honest with yourself: if a lack of spending discipline is what got you into the pickle you're in, you may not have the discipline to pay down your debt without the help of a credit counselor. (fastdebtsettlements.com)
Debt settlement, which is also known as credit settlement or debt negotiation, is a legal process in which a debtor — often, but not always, with the help of a credit counselor — can reach a legal agreement with a creditor to settle their debt for a lesser amount. (cashusa.com)