hope

Let????????s take it one by one:

Quote:

If I choose to go with debt consolidation, does it hurt my credit score?

Slightly, but it helps in the long run. Read the conversation here:

http://www.debtconsolidationcare.com/settlement/credit-impact.html

Quote:

I am still unclear how it works. Do they help me get my credit card debts paid off sooner, help with the high interest rates?

Please go through the link below; it might clear your doubts:

http://www.debtconsolidationcare.com/benefits.html

Quote:

What percentage do they charge?

It depends on various factors. Perhaps talking to a counselor would help you.

I would be concluding saying that "Yes, there is hope."