<human>: Hi reddit.  I've been receiving "Important Final Notice" letters from "Client negotiations department(s)" regarding my credit card debt.  I have been hovering around $22,000 for a few years now and, based on my financial situation, I haven't been able to knock it down.  

Are these a scam?  I know the estimates listed on these documents are only examples and not the actual numbers specific to my situation.  

What's the best approach for me?  Should I look into one of these consolidators?  If so, does anyone have a recommendation?  And finally, I could always transfer my balance to a lower-interest credit card (with $0 transfer fees), such as my credit union, but I don't see how that will help me get my debt down in a reasonable amount of time.

As of now, my monthly payment is between $405 and $450.  I have a limited income but always manage to make my payments.  If I could get it down to $300-$400 it would be a big help.  Thanks for any input!

Can you condense the text into a few key points?
<bot>: Receiving debt consolidation notices for my $22,000 credit card balance.  Monthly payments are now >$400.  What's my best approach?