Best Ways to Settle Credit Card Debt FAST:

1. Hire The Best Debt Settlement Company
2. Do It Yourself Debt Negotiation Elimination

We have a large amount of credit card debt and are considering debt negotiation through Freedom Financial. They say that we can pay off our debt in three years time and that while our credit rating will initially be affected, by the time the debt is paid, the negative rating will be mitigated. Has anyone used this service (or a similar one)?

I myself have not used it, but have a (distant ) friend who has.

They are thoroughly disillusioned with the service. They have said they bitterly regret having done this.

I have no information other than that, they did not want to talk about it ( and thus reveal the extent of their problems, I guess. )

I suggest you do more research beyond this forum.