You see their ads on television and print. They claim they can save you a lot of many by negotiating down your bills to what you can afford. Do you wonder if they can actually do what they claim.
I personally have not used the services at this time, but I have talked to people that have. The companies really did meet their claims. You might ask what the catch is, and there is a catch. You need to have a verifiable income. If the income stops, you will more than likely be out of the program and right back where you used to be.
The bottom line is you need to find a job, before anyone can help you. I have seen a lot of companies out there. You should not have to pay out a huge upfront fee.