Over one year ago I found out my wife went crzy with all kinds of credit cards. I had just bought a house 7months prior to finding out. When I found out as near as I can figur it was about $100,000.00. Took all the savings I had and got it down to 55,000.00. we live in differaent states, so won't go into that. Problem is this I did the only thing I thought was right at the time and had cards consolidated with a free company. They did not try to get anything knock down or negotiate with them at all, except they different cards would only keep there interest as they were.