How does credit counseling and companies that offer debt repayment programs work?

Like most grouping in America, we finished foolish decisions in the past, as substantially as since of that, we hit the accumulative assign label debt of about ,000. Both my mother as substantially as we work full instance to lift the 2 year aged girl, though it’s only unfit to keep juicy the monthly payments upon instance anymore. Somebody told me of CCCS as substantially as they pronounced they can resource me come to terms improved rates, reduce monthly payments as substantially as debt rebate with my creditors. Are companies similar to this the single trustworthy? How most should we organisation them to compensate them in the prolonged run for their services? How will this move my assign history?

If anybody has had training with this sort of companies, we would conclude your comments. They contend they do not suggest the loan or anything, they only resource me to come to terms as substantially as intend the improved deal, though I’m not certain during what cost.