interested in debt consolidation but dont know where to start?

zarayray10 asked:


i am interested in having my monthly credit card payments put into one payment per month. i was very close to trying this but backed out at the last minute out of fear of being screwed over by a debt consolidation company. can someone explain how these companies work? has anyone ever used one? is it helpful?
do u pay the debt consolidation company a seperate fee? or do they include that within ur consolidated payment?

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