Thank you to everyone who responded to my enquiry. You have given me the information I needed. I've decided to pay the debt in full and to pass on using the services of the credit counselors. I wanted to handle it on my own to start off with, but whenever I talk to the credit card companies they get my mind going in all sorts of different directions. All they want is their money, they don't care about my future.It's my debt, I am responsible for paying it off and I will do just that!Thanks for your advice and encouragement.- Mason
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