Sorry for throwing this into this thread, but didnt know where to write.
Does anyone out there have experience with good, reputable debt consolidation companies?
Trying to lower interest rates on a couple of cards (I called the bank and asked to lower and they said no.)Any info would be great.

I am currently working with a company called Money Management International. I'm about halfway through the program and so far I haven't had any trouble.

When I was in the same position you are, someone told me to do research on the companies, and 3 things were important: are they a non-profit, have they been in business long enough to have a track record, and do they have accrediations with consumer/financial groups. Those were the criteria I used when choosing who to work through.

I've been in the program for two years and have paid off half the debt, as planned. Yet I still find it somewhat infuriating that this is something I'd never have been able to do on my own (getting better interest rates, etc). It certainly taught me a big lesson about credit.

Good luck!

Wow! Thank you so much. Honestly, this is great information. I am totally going to check them out.
Thanks!