Sorry to hear about your struggles, however there are better ways out than going through a debt consolidation company. So many of these places are ripoffs that take your money. Sit down and make a budget, starting with necessities first. See how much money you actually have to pay your debt. Decide how much you can pay each creditor and call them up and explain this. Ask them to lower your interest rate and show them your budget and they’ll work with you. Go see Dave Ramsey’s web site. and buy the book total money makeover for $15. Good book on budgeting and understanding money. It will help you get this taken care of. Good luck!

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A lot of times they take you are charged a percent of whatever you are saving (you’ll still end up saving in the long run). You can also look into certain non-profit debt help agencies that will not cost you. Read more at

Credit Counselors charge between $10-$50/month and get your interest rates cut a bit.

Debt Settlement companies usually charge about 15% of what you owe over the term of your program.

A mortgage debt consolidation will cost you from 1% to 4% of the amount you refinance.

What you should really look at is what is the total cost to get debt free, how long the program will take, and how low each can get your monthly payment.

Try to get a free consultation from someone, this page had a good review of your options and considerations so you choose the right path for your situation:

depends on the company but its usually its a one time fee.

Be vary wary of debt consolidation companies as they will often charge you very large fees and make you go deeper into debt, rather than helping you get out. This page offers some great advice on practical ways to get out of debt: