Credit Card Debt Options

[David White]

I have credit card debt that I'm desperately trying to pay off. I have a full and part time job but, it still feels like I can't catch up. I was debating about giving a certain credit repair company (I would name it but I'm not sure if this thread will get deleted if I do) a call. They have an option of debt settlement and credit repair. My question is what are the ramifications to my credit if I go this route? Are there any other options I can go with that won't affect my credit negatively? 

[Derek Robertson]

You need to get your hands on Dave Ramsey's book "total money makeover" and get involved with a local church that is hosting a financial peace university. You got this but you need to believe you can do it. He has countless podcasts and YouTube videos that explain his teachings.