Basically title, but I’m talking companies like National Debt Relief, who negotiate on your behalf and will supposedly get you to pay as low as 50% of your balance (I would guess the average is more like 70%).

We listened to their pitch and they have great reviews and honestly good accreditations. I’ve seen the sub talk down on them, but the biggest reason is it that your credit is trashed for 7 years. Suppose you already have sub-600 credit, how is it any worse?

And I have looked at other options as well, such as a non-profit organization ran debt management program. But in theory, the debt relief can save you quite a lot of money. I don’t want to lay out our specific examples we have looking at both options, but it was a difference of $10,000 savings on $32k debt 👀.