Credit Card Debt - Reduction Agencies a good idea?

Question by Camilla: Credit Card Debt - Reduction Agencies a good idea?
My husband and I have tons of credit card debt - $ 25,000. One of the cards is connected to our debit account and if we have a negative balance in our debit account it will transfer funds from the credit card. It has become a viscus circle. We cannot afford to make payments on our credit cards, but do so anyways by using our debit account, and when we have a negative balance the CC transfers money (happens 2-3 times a

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