If you're trying to pay off high-interest credit card debt, the process can feel like an endless cycle of stress and mounting interest charges. And, that's especially true right now. The Fed rate hikes that occurred over the last couple of years have caused credit card interest rates to climb, so if you're carrying a balance from month to month, it can be hard to make a dent in what you owe.
You want a more affordable approachWhile bankruptcy provides more immediate relief, the legal fees can add up quickly, and you'll owe many of them upfront. Debt relief programs, on the other hand, do not charge upfront costs. In fact, there are laws prohibiting them from doing so. Debt relief charges are instead assessed as either monthly costs or as a percentage of the enrolled debt . And, these charges tend to be significantly lower than what you'd pay for bankruptcy.
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