I have heard that they charge a fee to do what you can yourself. The way that most of the debt people advise is to get whatever money you owe onto a 0% interest if possible. If you can't do that, pay minimum on the lower interest cards and the most you can on the highest interest cards. Then as soon as you get it paid off, you put all that savings into the payment of the next higher interest card until all are paid off.
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