 Are you nearly maxed out on your credit cards? It doesn't matter if you're using your credit cards for fun or to survive. At the end of the month, your statements come in, and you can either pay them or you can't. If you can't, late fees and interest rates get tacked on, and now you're struggling just to make the minimum payment due. Do you feel trapped? Am I talking to you? Good, because I personally researched some companies that can help you. They may be able to reduce your credit card balances by 50%.