Personal Finance and Investing

http://www.mykeycredit.com/

They're very small, and have been very approachable. They contacted me initially, and while I usually shun telemarketing, I followed up and they were very informative and nice on the phone, and have always been responsive to email questions, and had good answers to my questions like "How do you make money from this/what's in it for you?" (They charge me a monthly maintenance fee that is figured into the monthly payment I make to them in lieu of paying the creditors, and I am paying down a calculated full settlement fee less than the full amount - if they manage to negotiate lower than we planned for, that's bonus for them. My money goes into a savings account that is in my name and I can take control of at any time that they let build up and use to pay off settlements they negotiate. They're managing all the nuisance calls and letters from creditors from collections - they actually want the debt to be sold to collections because they can negotiate a better rate with them then they can with the actual creditors.)

I know it's possible to do debt consolidation/management/settlement on your own, but I would never have been able to put all the pieces together at once coherently without losing my mind.