I have been with them for over a month with no success and getting deeper into debt, i was told that the credit card companies accept proposals but i'm not getting anywhere and now into the hands of the colection agency - GEE THANKS CONSOLIDATED CREDIT not impressed. After several calls to consolidated my money is sitting in the their hands awaiting the proposal to go through which they Are NOT following up on. I have to Call them to let them know. They just tell me each time they will look into it and notice ONLY when I call them that the proposal was not accepted yet, meanwhile I am now owing more then I began with and never informed by Consolidated credit about my debt. VERY ANGRY AND DISSAPPOINTED!!!