Are there any real GOOD Credit consolidations companies out there who really do work for you to get your payments down and REALLY wordk with the creditors to keep them OFF your back ???? I am in need of some help and dont know which way to go with all this. Any advise will be appreciated. Thanks in advanced.:confused:

Not all consoliation companies have agreement with all creditors, so a lot of them work hard but so much will depend on who the debtors are, what contracts each company has with that lender, how late are you and so on.

What are you trying to accomplish? I work with bank of america. I can help.