<prompt> Human: Im at about 55k in debt across 6 credit cards and 1 unsecured loan. Minimum payments exceed my monthly budget to the point where im paying on one card and using that same card for expenses.I looked at national debt relief and it SOUNDS enticing but I know it cant be all of what its cracked up to be. I understand they request you stop paying, put money in a secure account for them to negotiate with creditors.Does anyone have any positive experience with national debt relief? Or should I try this tactic myself? I.e. stop paying on 2 cards, bank up money and use for negotiation? Or stop paying on all and negotiate?Beyond that is chp13, figured its worth trying something first before that.  <response>: You can literally do the exact same thing yourself for free. 