Debt Counseling????

Many people hit opposite views upon removing resource to equilibrate debt thru a debt converging program. Some converse it’s a malefactor a little converse it’s good. we am today with Care One as well as was meditative about show we hit about an additional 2 years with a program. Any recommendation as to how to stay upon tip of my debt as well as essentially equilibrate it off, if we discontinu a program?

Card 1= 408
Card 2= 3,000
Card 3= 2,500
Collections= 180

Serious answers please

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