Which is better? To tackle debt settlement yourself or with help?
I am a single mom of 3 with no financial help. I work full time and have a pt time job to support us and get no other help financially. I have about ,000 in credit card debt. I have not been able to pay consistantly on them in about 6 mos. I want to get the debt paid and am trying to budget to do so. Is it better to try to settle myself or hire an agency to do so?