Hi Moms, my husband and I are looking for advice on the best company anyone may know or has used that would help use to get DEPT FREE. We want to consolidate all our credit cards to ONE LOW monthly payment and lower our interest rate. I know that we will NOT be able to use the credit cards, but we are really in a bad financial spot and NEED to get DEPT FREE!! I know there are a lot of companies that are a rip off or charge you money on top of your monthly payments. That is why we would like advice on a replicable company that someone has used and it has worked. Thank you and Happy 2010!!