I'm doing some research for my girlfriend who is in over her head with her credit cards. She realized the error of her ways a few years ago, but has gotten nowhere in paying them off. The cost of the interest stops her from gaining any ground. I was wondering if anybody has used any of these debt consolidation companies that I always see on TV. After reading around a little, it sounds like a lot of these places are scam artists, not helping at all or making it worse. Does anybody know of a reputable company, that charges little or no money? Heck, any advice on the subject would be helpful.