Are debt relief programs worth it?

Depends on who helps you receive the relief. Some companies are better at it than others and some of the larger debt relief companies (usually the large ones) are scamish in regard to what they charge vs. what they do for you. You can negotiate something yourself of course, but it’s hard considering the emotion involved. Bottom line, you’ll take a credit hit, but it could also save your financial life in the process

Not all of them actually, You should think twice before going into that. I used to apply this debt relief https://debtquest.com/services/debt-relief/ and have no regrets about that. These guys were quick to respond and very willing to work within my schedule, I was explained in details how to proceed with my case and got a real action plan. I’w excited for this breath of fresh air and could not wait to be debt-free. Now it is all gone in the past and Im very grateful to that team