I'm at about $55k in debt across 6 credit cards and 1 unsecured loan. Minimum payments exceed my monthly budget to the point where im paying on one card and using that same card for expenses.

I looked at national debt relief and it SOUNDS enticing but I know it can't be all of what it's cracked up to be. I understand they request you stop paying, put money in a secure account for them to negotiate with creditors.

Does anyone have any positive experience with national debt relief? Or should I try this tactic myself? I.e. stop paying on 2 cards, bank up money and use for negotiation? Or stop paying on all and negotiate?

Beyond that is chp13, figured it's worth trying something first before that.