You just have to be careful with what you get involved in. Read the fine lines. Debt consolidation is not exactly the best way to go about curing your debts. As it really is just a bandaid on the problem so to speak. What would be better is a debt repayment plan. There you are not allowed to incur any more debt, you are paying them a once a month payment and they in turn work with your creditors for you. My daughter uses Alliance. I used Consumer Credit Counseling, back in the day. They are excellent and it looks way better on your credit report. I think our program was like a two year payment program, and the best thing is you don't have any contact with your creditors, the agency does all that for you. Good luck.
at 8:49 PM on Dec. 12, 2008