I'm looking for companies or Non-Profits that will help, not hinder in this process. I would prefer to pay the debt off in 4 years, however, the problem is we might need the Credit Card in case of an emergency. NOTE- Some services require that you cancel the card once paid off and/or suspend the credit while paying this debt off.
it's a crapshoot, but, there are ways you can protect yourself, check out the below site:
http://www.ftc.gov/bcp/conline/pubs/credit/debt.shtm
read, read, read.
Good luck.