I owe over $9,000 to MBNA. I pay $125 a month, but that harldly makes a dent at %13 APR. I owe another $2,500 (of which I pay $80 a month) to CitiBank and and $16,000 to the government for a student loan -which right now is in forbeareance (they are giving me a years reprieve). My question is what are my options on reducing this amount of debt? Besides of course paying it of with money I don't have. I heard there are lawyers in NYC and Boston who for a fee will negotiate a way out for you with the credit card companies. Any ideas?