Anyone have experience settling their credit card debt and want to share their experience with me? I have about $23,000 in credit card debt - and because I have been out of work and some family medical issues, we have fallen past due about 5 months. We are getting tons of calls from collectors - some of the accounts are now with collection agencies. I have been doing a ton of reading about settlements and have spoken with a debt settlement law firm and another debt settlement company that is not legal firm. One of my friends went though a settlement company and they settled her accounts for like half of what she started with. I'm just a little nervous and don't like that the fees for these type of companies seems high. Is it possible to do settlements on your own? Any feedback would be greatly appreciated. Thank you 
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