I was with them for about 3 years. They were nice and easy to work with. Upon signing up, several of my creditors lowered the interest rate on my cards to 0%. I have no complaints with using them.

Whatever company you may decide to go with, please check them out! You can use the BBB, and find others who have used them through completion. Be sure and ask about any and all fees, including any hidden fees, and any other questions you may have.

Have you tried to speak with your creditors, or ar you accounts with collection agencies?..karen