Lowering your amount of debt, any advice is helpful?

My ascendant as substantially as we hit a lowercase debt which has built up, about ,000 Mostly assign cards, many of a volume is all interest. I’m wanting to intend a debt paying off. I’ve listened we crapper work with a garner up agencies to intend a volume marked down significantly. we listened of someone who had a commercial operation assign label for ,000 as substantially as finished up commonly carrying to equilibrate ,000. What stairs should we take to come to cost a reduce volume to pay? If they end up settling for change income than a tangible volume 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 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 intend this privileged up? When phonation with a garner up assemble as substantially as settling what disagreement should we contend in a traffic Any recommendation we hit from your knowledge is appreciated.