Please send me your thoughts on going into a credit negotiation program.?

What most those over unprotected credit companies which guarantee we to discharge your credit adjudge debt by incoming thier credit reciprocation program? Seems to me which we place your hold up as substantially as credit story in their hands with no garantee. Anyone has participated? we have "mid sized"credit adjudge debt BUT no intense credit. Pay ontime. Only Problem: monthly payments have been murdering me. What is a law upon reciprocation without retard with credit adjudge companies?? Please, can anybody deal ideas as substantially as experience? Tks