many of these companies are sham organizations that are going to consolidate your debt and charge big fees and interest for doing so. if you’re in debt, you’re probably better off just calling each company and trying to negotiate a lower rate. try to make payments a little at a time and knock it down slowly.

None! You’re much better handling your debt yourself w/ advice from a friend if needed than going into more debt by paying fees of a consolidation company. They’re out to make money too, not just help people out.

The best that you can get are still banks that offer consolidation, but you must negotiate for a better rate. Not unless a trusted person refer a good consolidation company to you. It should be one that he has dealt with and had a good result.