Has anyone had any dealings with “debt validation ” companies?

I am so ashamed that I have gotten myself so deeply in debt with two of my credit cards. I am keeping up with the payments and am managing to make more than the minimum payment each month. But, I’m fearful that I will not be able to keep it up much longer. I’ve not used these two cards in about a year.

I am familiar with the Dave Ramsey “Financial Peace University” method of getting out of debt and thought about trying that. But, it seems that I will be paying for several years in that situation.

Is there a better way to go about getting out of debt?
I’ve heard of:
Debt Management
Debt Elimination
Debt Settlement
Debt Validation.

Can anyone explain “debt validation” and tell me if it is any better than “settlement”, “management”, “elimination”?

I don’t think I want to go the bankruptcy route. Has anyone gone that way and let me know if they recommend it?

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