What are the best credit card debt relief services?

Question

My friends husband died leaving her three kids and over $100,000.00 in credit card debt. She has been trying to pay but now is getting threatened with them taking her house. She make just a little over minimum wage on a part time basis and the depression is starting to drag her down.

Answer 1

so far I have done good progress with this:
http://debt-consolidation.50webs.org

Answer 2

Debt consolidation is the last thing you need to settle your husband death. I am horrified with Justin's answer because it so wrong!!!
Let me make it clear! You are NOT responsible for your husband's debt because it should have been automatically taken care of his estate. If his estate had no monies to address this debt, then the whole debt is written off and you don't pay a thing. It is scandalous that nobody has told you this at the time. Debt consolidation and bankruptcy is last thing you needed and answers here are so wrong!!!
To me, it just underscores how much of the debt consolidation is SCAM. So many pitfalls and unscrupulous people chasing fat commissions. SHAME on them!

Answer 3

Consumer Credit Counseling Service. They will contact all of the creditors and take care of all of the payment arrangements.

It may be easier to declare bankruptcy. Now a days it may be easier to recover from doing so than to go through the Credit Services.

As far as the service messing with your credit, yes, I heard that it does that. Be careful.

Answer 4

wow that's rough. i used a debt consolidation company and they made my credit worse, but my debt was under eight thousand dollars, so for someone in such dire circumstances as your friend it might be worth it to use one. i went with clarion. my credit was worse for using their services, but they negotiated with the banks and were honest about the payments.