What would be a credit consolidation company to use?

I owe more than $15K in credit card debt with mostly high interest. This doesn't even include my student loan payment, car payment and all of my living expenses. I'm living paycheck to paycheck trying to pay them down and it's moving so slowly - almost...

Can you use a debt consolidation company if the credit card companies have already sold your accounts to collection agencies?

I am looking for a good company to help us negotiate the rates on our cards that we used to start our business. And to hear from personal experience if this is a good way to go.

any suggestions which company to use? i have thousands in student loans and credit cards and i was wondering if anyone has used any loan consolidation programs, which is the best, which is the worst? thanks!

Did anyone use credit card debt consolidation and did it actually HELP them? I hear it may be worse to get it. I want to find a company that will help without me having to pay MORE or end up going to court.

IN 2005 I discovered that my sister (who had been living with us at the time for a few years) had gotten a few credit cards in my name. It was a little out of control- but we paid it all off....3 years later I heard my sister speaking with a man who...

Is it better for me to settle my own debts or use a company?Would they be able to settle cheaper than just by myself? Will this then give me a credit score? I'm 22, never had any credit at all (no cellphone, or cars bought that are on my credit,no credit...