Need advice on credit card debt
I have managed to accumulate a lot of credit card debt by my own stupidity. First mistake. I am now trying to become debt free. I used a firm offering a settlement solution which I thought would save me some money making it easier to pay off what I owed and avoiding bankruptcy. Second mistake. Now after following this firm's advice, two of my creditors have filed on me. The firm says they can still help but want more money than they started out saying this would all cost and more than I can borrow from my company's savings plan. I know, that's probably another mistake. The alarms in my head say get away from the firm yet my natural inclination to hide from financial problems by sticking my head in the sand says it would be the easiest way out. Anyone ever used such a firm successfully? Or managed something similiar alone? Like I said at first, what I need is some sound advice that will get me headed in the right direction and some encouragement to continue in that direction.