Debt Settlement

what kind of debt,and how much debt are we talking?

$40,000 in credit card debt

is it multiple cards?

I have 8 cards

this the OP right?then i would look to PM mobile0311.he is a debt relief insider who does work in the debt relief industry.i would advise looking in your state first for a debt consolidation company that is located near you.then see what time frame you are looking to be debt free.then if you are current do you want to stay current and reduce your payments.it depends on what your looking for in a debt relief company.

can you help with private student loans as well as credit card debt.

I work in the settlement industry and I also owe about $10,000 to credit cards. You should base your decision on what your expectations are. Are you bothered by frequent phone calls? Are you aware of the risks involved? Does the idea of litigation (lawsuit) intimidate you? Feel free to send me a PM.