A reader asks…

I’m wondering if anyone has had any success using those debt consolidation companies and if so, what’s the process of it? How does it work and will it really work at lowering your interest rate/debt owed? And what company(ies) did you use? Thanks!

A reader asks…

If anyone has any experiences with good or bad in dealing with a debt consolidation company let me know. Would it be a good idea to have one help me if I have about 4,000 dollars in debt?