asiyatanisa
New member
I’ve been struggling with high credit card balances and keep hearing about companies that claim they can help reduce what I owe. I’m wondering if a credit card debt relief program really works or if it’s just expensive hype. From what I’ve read, some firms negotiate lower payments or interest, but others might charge high fees or even be scams, which could make things worse. Has anyone tried one and seen real results without hurting their credit? What should I watch out for?