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

Like most grouping in America, we done derisory decisions in the past, as substantially as since of that, we hit the accumulative credit adjudge debt of most ,000. Both my mother as substantially as we impact full instance to displace the 2 year aged girl, though it’s only subhuman to keep profitable the monthly payments upon instance anymore. Somebody told me of CCCS as substantially as they pronounced they can resource me come to terms reinforced rates, reduce monthly payments as substantially as debt rebate with my creditors. Are companies kindred to this the single trustworthy? How most should we design them to compensate them in the prolonged run for their services? How module this start my credit history?

If anybody has had practice with this variety of companies, we would hold your comments. They converse they do not suggest the loan or anything, they only resource me to come to terms as substantially as get the reinforced deal, though I’m not certain during what cost.