My husband and I are looking to use our tax return
My husband and I are looking to use our tax return to pay off our credit card debt and one of his student loans. They are all in collections at this point in time. I was wondering who I would contact to see about getting the amounts that we owe lower so that we can pay them all off. If we do it on our own I know that we wont get the credit card companies down as low as an agent would. but I don't know what agent I would look to. We currently have about 5,000-7,000 in debt and will have about 3,000-4,000 in our tax refund to pay it all off. I don't know if it's even possible. So you have any advice?