When trying to find the best resolution to deal with the negative effects of too much credit card debt can be very confusing. Before making any decision on a debt negotiations company you must do your diligence to be sure that the company is in good standings and has a good reputation. If you feel that you are being forced to make an immediate decision without being able to discuss it with your spouse then maybe this may not be the company you want to deal with.  Make sure a of your questions have been answered and you feel comfortable with the debt negotiations program and the company.