There are MANY instate debt resolution, NON PROFIT agencies.
These OUT OF STATE , buy data of bad defaulters from data brokers of the credit reporting agencies and creating avenues to get rich out of a POOR man already.
End of story ! There is NO BENEFIt from a out of state, for profit agency with HIGH load of fees. Even if it is 17 to 20%.
It should rather be a fixed flat and low fee for some paper back/forth to negotiate debt with your credit card. In most cases, you can call the credit card company and ask for hardship plans. They have VARIOUS options, U just has to ask the Card company representative " Can You Please Help ME" ?