There are a myriad of these companies and generally all should be avoided

Many companies that offer to help are scams. One I read about promises to reduce payments and in the fine print that most people can’t understand without a lawyer (even if they did read it) it states that you make payments to them for a year before they start paying off your credit cards — so you have to keep up payments for a year to your cards AND pay the scumbags! That’s just one example.

There are good solid companies that can help you, but most aren’t spending a lot of money on ads. Spend time Googling for them. And remember, if it sounds too good to be true, it probably is.