debt consolidation companies

I did debt consolidation over 2 years ago and saw my debt levels really drop. It is not the debt companies out there that are the culprit but the companies that they try to negotiate for you on your behalf. I had problems where some credit card companies will not negotiate with the debt consolidation companies and this can hurt because you will still be "obligated" to pay them at the same interest that you signed up for. American Debt Solutions is the debt consolidation company that I worked with and they are pretty darn good.

The things you are asking about are all mistakes. I have made some of them. I also got into more debt trying a program that was supposed to find me grants, etc. I am an mature adult, who, along with my husband got pretty stupid about credit about three and a half years ago. The companies are not trying to harm or help you, they are just trying to help themselves. If you are in debt, here is what you need to do: You need to look in your phone book for Consumer Credit Counseling. It is legit, they will give you some tough rules to follow, but I know lots of people who have succeeded with them. You will have to pay a small fee, but it is much less than what they can save for you. Unfortunately, when I went to see them, I did not even make enough money for them to help me. I am dealing with judgements, etc., but things are looking up. Not all credit counselors are legit, that is why I only recommend this one. Please be careful. Good luck.