Shadoglare -The same thing happened to me with another credit consolidator. Before I signed up, I was aware of the $300+ fee (apart from the monthly fees) that I had to pay. What was not in writing (or per the conversation) was that the fee was my FIRST payment (not my last as I had led to believe). I believe this is the reason why it takes so long to set these payment plans up. I never had late payment letters/phone calls until after I signed with a credit consolidator. That said, I don't regret going with a 3rd party it at all. I really like the convenience of one payment. Also, I was never able to get the interest lowered on my cards myself. If you decide to give that a try, don't be weak. Don't let them know that you are trying to control your debt and considering consolidation. Let them think that you are unhappy with the interest rate/service and want to move it to another card. - Susan in Seattle
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