I'm roughly 28k in credit card debt. I'd rather not fail bankruptcy, but I understand it eats a lot of my income. Regardless of excuses I know its my fault for letting it get this out of hand. I've considered these credit card relief programs, but honestly I don't fully trust them. I don't like the idea of not paying on my card, my CS dropping, and then me paying them to pay the cards. Granted, there are so many companies it does make me think its legit, or they figured out how to scam most of us. I've tried to get a personal loan through my bank but due to still making payments on my truck, they denied me. Not sure what the best route is aside from super budgeting myself and basically becoming a hermit for a few years if not longer.