Absolutely YES, these programs do work. Depending on what type of debt a person owes, their financial situation, their location and if they have a financial hardship — will determine what program is best for their situation. Debt relief programs don’t work if you are put in the wrong program. For example; client’s need to be able to afford their monthly payment. Or with a Discover credit card; Discover is likely to sue a person if they stop making monthly payments, so we wouldn’t put a client into a program that didn’t take that into consideration.
Infographic Source: https://goldenfs.org/credit-card-debt-relief-programs-summary/