I’ve actually tried a couple of these debt help services, and honestly, the ones that just “fix” things for you didn’t help much in the long run. The only one I got anything lasting from was super hands-on—they made me do budget worksheets, explained my credit report line by line, and even had me call creditors myself (awkward, but useful). It was kind of like financial bootcamp. Not fun, but I actually learned stuff instead of just watching someone else handle it. If they’re not teaching you, it’s just a temporary band-aid, at least in my experience.
If they’re not teaching you, it’s just a temporary band-aid, at least in my experience.
Couldn’t agree more. I’ve seen folks pay for those “quick fix” services and end up right back where they started a year later. The hands-on stuff is awkward, yeah, but it’s like learning to ride a bike—painful at first, but you don’t forget it. I’d rather deal with a little discomfort now than keep patching holes forever.
