Debt Relief Programs

do these get out of debt relief programs work?

i have some credit card balances and wanna know how these work. my cc balance total 15k

15k isn’t that much when you think of terms of relinquishing additional money that you don’t originally have to pay your debts, not to mention most of these so call debt relief services are a scam, you can do every thing that they can do and save yourself the monthly service fees.

First make up a budget, list everything in order of priority, you know, food, housing, utilities, car, and such. Once you have all your priorities listed, spend everything on paper first. you will see how much you have to go towards your CC. Make minimum payments on the higher balanced cards while you try to pay off the lower balanced cards first. Don’t worry about the higher interest rate cards at first. you need to feel like your getting traction while paying this off. Every time you get one card paid off, (hopefully you learned your lesson and have already cut them up) apply that balance to the other card, so if you have been making a $25 payment on that card and the card you just paid off you were able to put $150, you now have $175 to go towards the next card. and so forth, each time you pay one off you are still working with the amount that you designated to pay off credit cards, but one you pay one off you apply more and more to the next ones in line. This way you feel like you are getting somewhere and when you see progress your more likely to stick with it. just don’t use those credit cards any more, you need something, save for it. It wouldn’t hurt to save a thousand for emergency, like a car issue or a water heater. Not for I wants.