Since I lost my job, money has been tight. Now it turns out we owe the IRS $9000 for TY09. I have been getting these mailings for years about debt reduction programs that lower your consumer debt. I have never looked into them because the mailings feel like a scam most of the time -- the way things are worded in particular. OTOH, I know there are legitimate programs out there. Does anyone have an experiences with them? Note: I don't want to declare bankruptcy and I don't even want to reduce my car loan. It's just my credit cards that are killing us and I feel like the CC companies are taking advantage of us because at this point we've paid about 3x what we've spent to them (or possibly even more) and there is no end in sight because whenever we have a setback and can't make more than the minimum payments, the balances go right back up to what they were before we paid them down.