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I owe 19,000 on one card at 2.99% fixed, 54,900 at 8.7% fixed and two cards with about 4500 each at about 4.9%. I have excellent credit and can make my payments. My question is what can a debt settlement company do for me?

It sounds like your rates are excellent so unless you are unable to handle the payments at those rates, you probably do not want to consider a debt settlement solution because it will damage your credit score. Only consider debt settlement if you can’t afford the payments as they are. Thanks.