Consolidation Organizations Out There?

Q: Does anyone have recommendations or warnings about the various debt consolidation organizations out there? Ameridebt, Ditech, etc.? I am looking for first hand experiences if at all possible. We need to consolidate our credit cards, student loans, etc. and a home equity loan will not work in our situation. Please respond privately to j_t...@yahoo.com.

A: I can't say enough good things about the information available at: http://www.budhibbs.com Sure, it's no debt consolidation company, but that's the direction I was heading almost a year ago when I started following the advice on this website. I got my ass out of hot water pretty fast (less than a year).