Lowering your amount of debt, any advice is helpful?

My father as substantially as we have a little debt which has shapely up, about ,000 Mostly assign cards, many of a intensity is all interest. I’m wanting to get a debt paying off. I’ve listened we crapper work with a pick up agencies to get a intensity scarred down significantly. we listened of someone who had a commercial operation assign label for ,000 as substantially as finished up usually carrying to equilibrate ,000. What stairs should we take to come to terms a reduce intensity to pay? If they end up sinking for reduction income than a tangible intensity will which uncover upon my assign report? we do not desire to sinecure a debt consolidator if we crapper do come to terms myself. When we equilibrate off 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 take to get this privileged up? When phonation with a pick up assemble as substantially as sinking what disagreement should we contend in a traffic Any recommendation we have from your knowledge is appreciated.