Hi So glad i found this site too. I sent in to Better Business B about debt consolidation companies and one of the above mentioned type companies was on their list but after more search I have learned that BBB ratings can be deceptive too. So I held off, but might have dove in also! It's so hard to know who to trust. Now i am going to look into Debt Management programs, which still make regular payments to your cards through them (of course would verify that they are...) not hold off paying until companies are ready to negotiate like the other groups ask, which never felt right to me.