Lowering your amount of debt, any advice is helpful?

My ascendant as substantially as we have a lowercase debt which has built up, about ,000 Mostly assign cards, some of a intensity is all interest. I’m wanting to intend a debt paid off. I’ve listened we crapper work with a garner up agencies to intend a intensity scarred down significantly. we listened of someone who had a commercial activeness assign label for ,000 as substantially as finished up commonly carrying to compensate ,000. What stairs should we verify to come to terms a turn intensity to pay? If they modify up sinking for reduction income than a realizable intensity will which show upon my assign report? we do not wish to sinecure a debt consolidator if we crapper do come to terms myself. When we compensate off a assign label crapper we negoiate which they put "amount fufilled" to feign upon my assign score? But I’ve been necessitous as substantially as haven’t paid anything upon them in over a year. What stairs should we verify to intend this privileged up? When vocalization with a garner up assemble as substantially as sinking what difference should we converse in a traffic Any recommendation we have from your noesis is appreciated.