I am almost finished with my consolidation! I only have 3 months and I will be debt free!!! thanks to consolidated credit! I can only imagine where I would be today if I had not decided to go with this company. I was barely paying my minimum payment on some cards and not paying others at all! The interest and late fees were buring me month by month. So I knew that my only choice was to either file bankruptcy or find a company that was honest and would help me dig my way out of this hole I was in. After weeks of reading reviews online I decided that Consolidated was the company to go with. Although it has nto always been easy I take pride in the fact that I have paid all my creditors back the money that I borrowed. with of course the help of this great organization!