Currently researching debt settlement options and trying to find an honest/reputable company/service. $57,000 of credit-card debt/cards maxed/few overlimit-late fees/barely making minimum payments. Working O.T.to stay afloat.Power bills always late,etc..Co-signed on a car for partner that can't pay bill..found-out I'm actually primary signer.Can't pay that at all. Bring home $4,500 with O.T. Tightest budget figured out with my local credit counseling after "settling" the interest rates,etc is $4,500 for 51 months-if I do not miss one payment! about the same I'm paying already. this does not include the $604 car payment that is now 1 month late. I get that if I follow the plan, i'll be out of credit debt in 51 months vs. 20+ years..but I can't see how to make that work. Credit rating has already tanked to the low 600's..