I am proud to say that my debt is now half of I owed.
I paid my credit cards and I only have medical bills to pay!
I hope that by the end of this year I will be debt free, it has been hard work, but it paid off. I dont need to worry about phone calls or letters I just need to worry about the next step, and how I am going to raise my credit score.
People, don’t go to debt settlement companies, you can do this on your own.
Call the credit card companies one by one, start with the one you owe more and figure out a payment arrangement, trust me they want their money and they will help you if you are honest to them and tell them your financial situation.

Good luck to ya’ll