A much better way to go is Debt negotiation and Bill consolidation. 

In our Debt negotiation and Bill consolidation Program we take an aggressive approach to your debt and reduce the total balance owed to the creditor. If you owe $20,000, you will end up paying around $10,000 or less. This gets our average client out of debt in around 15 - 30 Months. We do not get paid by the creditor in any way for recovering your debt for them. We are paid purely on a performance basis by you.

Don't risk loosing your house, with a Debt negotiation or a Bill consolidation you can regain back your life and peace of mind!

It's important that you understand us plainly here. Debt negotiation and Bill consolidation is not advocating that everybody suddenly quits paying their bills to force their creditors into settlements. There can be negative consequences to the credit score through this negotiation process, which should therefore only be used in the event of legitimate financial hardship. If you have sufficient income to reduce your debt load the ordinary way (by reducing the balances with payments in excess of the minimums), then you should definitely do so. The negotiation process works best in the event of Legitimate Financial Hardship.