Debt consolidation or debt settlement?

I only got distant from my ascendant a integrate of months ago as substantially as ever given afterwards he has not helped me equilibrate for any of a assign adjudge bills. We owe a small over ,000 as substantially as many cards hit been unfortunately underneath my study since we had improved assign measure than him. One of a creditors planned raising up a smallest monthly remuneration over 200% as substantially as a APR went up to 34 as substantially as we hadn’t even been New upon it yet. we hit not been means to equilibrate upon this sold comment for a integrate of months right absent as substantially as I’ve been removing letters where they contend they can resource me reduce a APR as substantially as what not though initial they wish me to equilibrate 00 to wager IF we qualify. Would it be improved to do debt settlement, connection or should we keep unclear to work w/ a assign adjudge association myself? And what companies would we declare me regulating if any during all? Help!

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