1. Does anyone know of a reputable debt consolidation firm that does just that without a loan (home equity, collateral) but at the same time, helps me with my creditors, such as balance reduction, or must I do that myself? 2. Any thoughts on the Capital One Secured Card? The technical language on the disclaimer gets a little hairy...do I only remit $99 once and then get a $500 limit? Anyone else have experience with this? It says I've been approved, and getting through to CO customer service is enough of a task in itself. Thanks so much.
