HI, I am hoping that people who have used debt consolidation or reduction companies, can give me a little feedback on what the process involves, what type of debt you started out with, how fast was it paid off? What did it do to your credit? I feel like I am drowning right now and have to think about this as an option, but feel I need more information from people that have used something similar before. Also, if you had a good experience, can you pass along contact information for the company you used? Thanks in Advance!

Marta