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 Dolans.com.