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8 Responses to “are credit counseling agencies the best way to reduce credit card debt?” Jennifer H says: February 13, 2010 at 8:13 pm. No, the best way to reduce your debt is to pay it off and never go in debt again! References : … try calling ur creditors 1st and ask them 2 rearrange a payment plan w/u, lower ur interest, and mayb changer ur payment date. if ur going thru a hardship, let them know.. References : heath j says: February 13, 2010 at 8:40 pm …

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are credit counseling agencies the best way to reduce credit card …