Debt Reduction Program

Has anyone had good experience with programs to reduce the debt? What will be the program of debt relief lower my credit score, and is it a good idea to use one?

you probably will not be able to get new, good credit anytime soon, then this may be an option to bite the bullet and resurface a year or two from now in a better situation. For more information, you should take a ride on a trusted site.

Personally, I have not used, and I do not propose to customers.
I think that's the easy way out, but because most people do not learn tips on budgeting that would have prevented the debt problem, they just get into debt again.

My suggestion is to learn as much as you can about how to manage money and eliminate costs. Establish a good budget and stick to it. You should be able to start repaying these debts off, slowly but surely.

Good luck