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Please help me, do debt relief programs really work? That is only paying back less than what you actually owe.

Hello. Yes debt relief programs do work for thousands of people each year. However there are

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Have you heard of or done business with Halo Debt Solutions (I think that’s it) out of Richardson, TX?

I do not know that company, sorry I cannot be of more help.

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Should I Consolidate Credit Card Debt Using A Home Equity Loan?

Every situation is different but using equity that you’ve accumulated in your home as it has appreciated in value over your mortgage balance is probably the simplest and most attractive way to consolidate credit card debt. You may refinance your home loan to consolidate credit card debt which will cause your mortage balance to go more ยป

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