Be sure that you don't go with a company that tells you not to pay your creditors in hopes of forcing them to negotiate. These people will cheerfully destroy your credit.
Several of our members have successfully gone through DMP's (debt management programs.) I hope they'll be along shortly.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007