Thank you so much everyone! I am truly glad that I found Motley Fool and this forum. I am definitely only considering settling debts myself w/o a debt settlement company. I had some issues last year that negatively affected my employment, so I fell behind on my cards and now have a lot of them written off. I have a card with pretty much all of the card companies except Discover and the total debt is around 24k. After a year without a job and missed payments, I got a commission based sales job making around 1000/wk. I think I could put around 1000/mo toward credit cards with my current income. Please let me know your opinion on the best route to take!Gratefully,Corey
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