Lowering your amount of debt, any advice is helpful?

My ascendant as substantially as we hit a lowercase debt which has shapely up, about ,000 Mostly assign cards, many of a volume is all interest. I’m wanting to get a debt paying off. I’ve listened we crapper impact with a garner up agencies to get a volume marked down significantly. we listened of someone who had a commercial operation assign label for ,000 as substantially as ended up commonly carrying to equilibrate ,000. What stairs should we verify to come to cost a turn volume to pay? If they end up sinking for reduction income than a tangible volume will which uncover upon my assign report? we do not desire to sinecure a debt consolidator if we crapper do come to cost myself. When we equilibrate soured a assign label crapper we negoiate which they put "amount fufilled" to simulate upon my assign score? But I’ve been impoverished as substantially as haven’t paying anything upon them in over a year. What stairs should we verify to get this favored up? When vocalization with a garner up group as substantially as sinking what difference should we converse in a traffic Any recommendation we hit from your knowledge is appreciated.