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If you want to go with a debt consolidator then you will end up paying their fee upfront whether they disclose that or not. Most of the time only unsecured debt will qualify. As a good debt lawyer will tell you, you can negotiate this yourself, you just have to stick to your plan and be...

I had a friend with 100k in credit card debt owed to Bank of America. If you can get together enough cash and are willing to wait about 6 - 12 months you can negotiate with the credit cards settlement department. All the credit card companies have one and you will have to dig to find someone...