Ken and Daria Dolan, America's First Family of Personal Finance, answer your money questions every Friday.

Dear Ken and Daria,

I have some credit card debt and have been approached by a debt-reduction company, which says it can reduce my debt 60%-70%. Is this the best way to do it, or should I go to a nonprofit credit counseling firm instead?


Ken and Daria Dolan offer advice on all of your debt management questions and concerns at

Click here to ask Ken and Daria your question.

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