What has been your experience with debt relief programs, if any?

I have not used any. Their overall effectiveness is marginal at best.

The better ones act like counselors teaching you money management techniques and charging you obscene rates to do so.

Others dispute filings on your credit report and will even go so far as to dispute purchases you legitimately made. This is a practice known as fraud.

Oh, and the ones committing fraud in your name charge you money to do it.

Well, I guess I have something to tell. I want to recommend anyone that is in debt and stress and just overwhelmed these debt relief programs https://debtquest.com/services/debt-relief/. This company helped me right away had me set up less than an hour with things I needed to get done. They took all my stress away and answered all my questions and worries. Hope it can help