Any comments on experiences with Debt Negotiation firms, firms that claim to reduce one's credit card debts?

After a divorce, my debts with assign adjudge companies, generally with brand newborn increasing smallest payments have been unachieveable, as well as I’m seeking for service – these companies explain that,for a fee, 15% of a negotiated assets = typically 50 – 60% of a strange balance, they will become to cost with a assign adjudge companies as well as we equilibrate a undiscerning amount, something we can means – have been they for genuine as well as do they work?