You must be sure - and I mean absolutely positive - that you have the willpower to pay off those credit cards and not use them again.
Jean ChatzkyIf you default on an unsecured debt, you won't lose anything (except points on your credit score).
Jean ChatzkyIf you're filing bankruptcy, you will likely want to hire an attorney. But for debt settlement, a company is sufficient, or as I said, you can often do the legwork on your own.
Jean ChatzkyRolling all of your debts into a single loan is a good idea - in theory. In fact, it can be a great idea.
Jean Chatzky