I want to pay off $20,000 of credit-card debt in one year. Should I hire someone to negotiate my bill?

I can't rewrite this as a NobsFacts article because it's not a news story. NobsFacts is designed to neutrally report factual news events — who did what, when, where — not to provide personal finance advice or answer consumer questions.

If you have a news article about credit card debt, consumer finance policy, or a named individual's financial situation, I'm happy to rewrite it in the NobsFacts style.

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