My name is Dave, Im one of the writers from Debt relief blog.

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By just paying the minimum payment with even a modest interest rate you will be looking at 30 or more years to become debt free, with a sound debt negotiation program you will be out of debt within 2-3 years or sooner depending on your current financial situation.
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Now I use the word scam which can take on a few meanings, while yes there are some companies out there that are flat out scams and have no intent on doing any work for you at all, most of the times that is not the case.
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Once the debts are paid off, it is important to make every effort possible to avoid the issue of indebtedness in the future.
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