<prompt> Human: I just purchased a new home home with my mother and we are both putting in 700 each to cover the 1400 a month mortgage. I roughly make 1100 bi weekly with my wife getting 600 to 700 bi-weekly from her job. We have a baby and its taking time from us to care for him and with her stopping working, our income is going to make it harder on us. Right now, I have the following debt: Amazon Store Card - B720 MIN 35 CapitalOne- B7150MIN 220 CitiBank- B5600MIN 222 Chase Prime CC- B5100MIN 155 IRS- B600MIN 150 Blue Cross- B250MIN 0---Total- B19420782The B is my current balance and the MIN on average how much I pay monthly. Without talking to a rep, Freedom Debt Relief is saying they can help with a monthly payment of 375 max. This is tempting. With my baby growing up and most of my income going into CC bills that we no longer have, what would be the best solution for me? Tackle each one via avalanche method or seek debt relief?  <response>: Run away from Freedom Debt Relief all they do is charge you a HUGE fee to default on all your credit cards while you save that 375mo in an account. They are NOT settling your debts for 375mo, they are getting you to default, destroy your credit and then MAYBE your creditors wont sue you and MAYBE they will accept some of that money youve been saving up that Freedom Debt Relief is going to take a HUGE chunk of.x200B;If you want to default you can do that on your own. x200B;Your problem really isnt your debt, it is how you over spent. Unless you tackle your spending problem that got you 29K in debt you arent going to solve anything at all. 