What is the best debt consolidation/counseling service, or best rated one, that doesn't hurt your credit?

Question

I have severe credit card debt, and would like to either consolidate or use a service to help me free up some money in the monthly budget. I am doing very well with paying them, never been late, always pay more than minimum, but I can not get a debt consolidation loan because my debt to income ratio is too high (even though I'm trying to consolidate that debt). Anyone ever used any service that truly helped them, or know a highly rated one? Also, I'm trying to avoid anything that will hurt my credit report, like bankruptcy... also, if you know of any lenders that would be willing to help someone in my situation, please let me know! Thank you!

Answer 1

Debt consolidation can help you to relief debt to control over your debt your debt – this is actually  lowering your existing debt rates, getting a better way to pay loan , or splitting your payments to get debt paid faster and easier. You have to be vary careful to select a debt consolidation / counseling service.

You may get some information and articles about debt consolidation from
http://nfo.atspace.com