Are the debt relief programs for real or just a scam?
ava asked:
I owe $50M in credit card debt. Can I negotiate a settlement myself just as well as the debt relief companies advertising all over the media?
Are they for real or just a scam?
I owe $50M in credit card debt. Can I negotiate a settlement myself just as well as the debt relief companies advertising all over the media?
Are they for real or just a scam?

Get credit counseling with a reputable company.
If you are an attorney then I say go for it. You can do no worst.
Debt relief is a difficult issue many americans are now facing. Every legitamate debt relief service providers will give you advice for free. Try visiting serveral debt relief services and inquire about your questions and listen to thier answers. You should be able to tell which ones are providing shady advice.
Hope everything works out.