text: are there any good programs to reduce credit card debt?   don't go with debt free! they will screw you around.my husband already paid off his debt,but they kept deducting payments from our checking account.we kept track of how long it would take to pay it off,so we knew when the payments were supposed to stop.when they didn't,we called them & they gave us the run around everytime.we would always talk to 6 different people who acted as if they kew nothing.so it finally got to the point where we had to stop them @ the bank!they got the hint & now they want us to contact them.yeah,right,we are paid out.so don't go with them please!!  be blessed!