Can anyone advise me how to go about debt settlement on my credit cards?

As everyone must have noticed, there are now hundreds–if not thousands–of debt settlement companies out to make even more money on people that are almost in a state of bankruptcy. They all seem to "claim" that they can reduce your debts by 50% or more without damaging your credit score. So if it’s that easy, [...] http://bit.ly/jjN4f6