I use Care One Credit. They have helped me out soooo much. I was actually referred to them by a friend of mine. They have taken the CC interest rates that were 21-24% and knocked them down to 3%-9%. I was able to do everything online without talking to a representative. (I have a problem with talking to people on the phone) If you really want to look into a debt consolidation program I highly recommend them. Theya re free but take a donation of sorts to help them cover costs of mailing out payments and such but you decide how much you want to contribute if anything. Their website is...
http://www.careonecredit.com/ If anyone has questions about my experience feel free to pm me as well.