Is there ANY debt consolidation service that isn't a scam?

[lastlib]

3. No. None of them really do anything for you that you can't do for yourself.

If you're paying too high of an interest rate, call them and ask them to lower it, and let them know that if they don't you'll transfer your balance to another card and close your account. If you're current on your payments, ie, not late w/in the past six months, odds are good they'll do it.

I hear most financial planners say to pay down the credit card with the highest interest rate. This is generally wrong--you should pay down the one that is costing you the most in finance charges. It may be a lower-rate card with a higher balance, or it could be the one that has the higher rate, but possibly a slightly lower balance than a lower-rate card. That finance charge (interest) is, as my grandfather once said, like buying a dead horse. You need to "dismount"--get it cut down to a point that it's not costing you so much.