The staff at the office I dealt with, were professional, helpful and caring. They cared for me and my family and did everything in their power to properly guide me to Consolidate! Two years later, although my husband lost his job of 25 years, I still feel secure in knowing that my credit cards are closed and being paid off. Things are extremely tight right now, however, it would be so much worse if I didn't take the leap and consolidate my old debt. I would stroke out. People try to argue how consolidating ruins your credit. Adversely, it improved mine because nothing is ever late. Consolidated takes my funds directly out of my bank and sends the money to creditors. In two years, everything will be paid off!