You can call your creditors on your own
You can call your creditors on your own and simply ask them to lower the rate. Ideas: You can go about it several ways. One way is to tell them you are trying to pay the account off and can they help you out by lowering the rate. Sometimes in exchange you may be asked not to use the card, but sometimes they reduce the rate and the amount owed. Another way is to tell them that you have been shopping around for a better interest rate and could they meet an offer of xyz%. Many times they will do it, better to make xyz% interest than none!
Next recommendation is to try to use a cash method of paying for things…. make sure you keep a log of yor transactions with the balance you have left after each use of an ATM Card. Infact… to get control of spending, just use cash and no ATM CARD. IF you have a hard time not using your credit card… try freezing it in a tubberware in water. Then you have to go home and thaw it before you make a purchase…
Anyway… don’t know if any of this helps, just wanted to let you know that you can negotiate with your creditors and don’t need to hire anyone to do it for you, but also to let you know that negotiating down and paying off debt will better help you if you learn why you are overspending and don’t continue in that manner. WHat is the saying… something like once you get control of your money, you will find it is no longer controlling you.