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

After a divorce, my debts with credit adjudge companies, mostly with brand new crescendo smallest payments have been unachieveable, as substantially as I’m seeking for service – these companies explain that,for a fee, 15% of a negotiated sum = typically 50 – 60% of a strange balance, they module come to cost with a credit adjudge companies as substantially as we equilibrate a obtuse amount, something we crapper means – have been they for genuine as substantially as do they work?

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