Can Citi Financial Services be added to a consolidation prog

yes they can..this is what can be includes
as well

Credit Cards
Medical Bills
Personal Loans
Department Store Cards
Credit Lines
Club Memberships
Repossession Excess Charges

MCA great post! that's always nice to know that consumer credit isn't the only thing that can be consolidated. I know from personal experience that Citi will agree to consolidation agreements. In fact I had two cards from Citi maxed out and over the limit and they still consolidated for me. very nice to work with

Will they take credit cards that are severly delinquent? Otherwise, if I'm trying to settle debt and it fails, can I consolidate what is left?

I think they took mine when it was around 60 going into 90 days delinquent. But I kept in touch with them the best way that I could though it got to be ridiculous when I got 10 calls a day cause I had a whopping three accounts with them. They took them all. I think I would talk to a counselor on this one as I'm not entirely sure. budget...do you have a company in mind? have you used the free consultation service this site offers to its members? maybe try there if you haven't and see what a debt professional says they should know. good luck