where do they get these numbers???

i spoke with two different debt resolution companies this week. one was turbodebt, the other was americor.

they both told me that with my current ~28k debt with 25-27% interest i would be paying for over 30 years and pay over 80k total without ~*their program*~. one of them also told me credit card interest accrues daily, which i’m pretty sure is inaccurate.

I used unbury.me and even with just minimum payments it shows i would be our of debt in 5 years paying a total of ~51k. i’m planning on using the avalanche method to pay off the 27% card first and it shows i will be debt free in 4 years (paying ~43k total) based on what i can afford.

so my question is twofold:

1. where do they get these fuckass numbers?

2. i’m making the right decision by managing this myself, right? (they want me to stop paying my creditors etc etc etc)