Need some help and wondering if this is the correct platform to ask.
I have some debts with my credit card
I found some information online regarding EASY PAYMENT PROGRAM
In short this service is offer by so agent and they incurse 0% interest and divided your debt to 3 years ( or less i not sure) and they incure a one time charges of 22%(or less or more i dono) base on your total debt.

My question is this service legit?
Is this service better than balance transfer?

Thank you for the reply.
I have 2 cc with me from 2 banks, it is either I apply another new cc for balance transfer
or personal loan, still looking for alternatives.
But i believe in terms of saving and interest rate, balance transfer is the best , correct me if i am wrong.