You then make one monthly payment to the credit

10.31.08 - 12:43pm

You then make one monthly payment to the credit counseling firm and they then pay each one of your creditors for you. The drawback to this method is even though they lower your interest on your credit card balances you might still pay back as much as 125% of what you currently owe. Will a debt relief program be of much help or will it just hurt you more in the long run.