Currently, we are using Greenpath to consolidate and pay off our debt. As a condition of the program we had to get rid of the credit cards/the accounts were closed and can't apply for any new ones - for a certain amount of time after the program is over.
It was so worth it because we can only spend in cash (or debit card)and we have learned how to manage our money - and have managed to save a little, as well. The down side is that my credit score has taken a hit, but I really don't care about my credit score anymore. I really just want to get out of debt and never want to use another credit card again.
We tried doing the take the smallest payment and pay that down and then the next smallest payment on our own-and admittedly we were successful with smaller bills; however, we kept using the other cards and we were still struggling to manage our money because we just weren't good at it.
Dave Ramsey is a good resource, but we found that Greenpath worked better for us because we needed help staying on track and making sure our bills were paid on time. (late charges add up) and at the time we sought help, we really needed more disipline than what we had just doing it ourselves-and we wanted the help to get this under control.
You do pay a monthly fee for the service, but that's how they make their money to help people like you and me out. Also, the deal with the creditors, so you stop getting the calls - or let them know when you do. And they negotiate your interest rates down so you can pay the bill down quicker. Also, Suze Orman recommends them on her show.
For us, it has been totally worth it. It has taken us awhile to get our spending under control on our end, but our payments to Greenpath are automatic (which helps). It was so hard at first because we were so used to reaching for the credit card, but it's gotten a lot better and most importantly, our attitudes about money and using money have changed a lot in the past couple of years.
I would totally recommend their service to anyone.