Would debt counseling, consolidation, or a debt settlement program be a better way to go?

A. No. There is no reduction to your debt.

The credit card companies are working with the debt consolidation companies to reduce interest rates and fees; therefore they are getting paid for doing this service. The process also takes 3-7 years to pay off the debt, thus ruining your credit. More.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.