No. of Recommendations: 3
I'm $30k in credit card debt - a combination of poor spending habits and misfortune. I'm working on addressing the root causes, and would also like to aggressively address the debt.

I'm not currently behind on any bills or payments, and making slightly more than the minimum monthly payment on my three cards. Interest rates range from 5.9 to 13.5. I am getting tighter by the month, especially as the economy turns south. I am 42 and I have no savings. I have steady income - about $42k annual. I rent my home.

Gulp - kinda scary when I put it all out there!!

I've heard of both Consumer Credit Counseling and Negotiated Debt Settlement programs, and wonder if either are viable options. I'm a skeptic about many of these programs - are they just another way to make money of unsuspecting, money-unwise people?

Thanks for your input!
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