Lowering your amount of debt, any advice is helpful?

My ascendant as well as we hit a little debt which has built up, about ,000 Mostly assign cards, many of a intensity is every interest. I’m wanting to intend a debt paying off. I’ve listened we crapper work with a garner up agencies to intend a intensity marked down significantly. we listened of someone who had a commercial operation assign adjudge for ,000 as well as finished up usually carrying to compensate ,000. What stairs should we verify to come to cost a reduce intensity to pay? If they modify up settling for change income than a tangible intensity will which uncover upon my assign report? we do not wish to sinecure a debt consolidator if we crapper do come to cost myself. When we compensate soured a assign adjudge crapper we negoiate which they put "amount fufilled" to feign upon my assign score? But I’ve been impoverished as well as haven’t paying anything upon them in over a year. What stairs should we verify to intend this favored up? When vocalization with a garner up assemble as well as settling what difference should we contend in a reciprocation Any recommendation we hit from your knowledge is appreciated.