The best credit consolidation technique i know doesn't require a company it requires getting rid of all of one's liabilities so there is no need to charge anything until your debt is paid off. Stay slim and trim financially. Sacrafice is paramount with nothing spent on extras period. Concentrate on nothing else but the debt until it's gone. It does take discipline but you wont have to pay anyone to solve your problems and the lesson you learn is a life long lesson that teaches you to never ever do that again.

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"What you hear in a great jazz band is the sound of democracy. “The jazz band works best when participation is shaped by intelligent communication.”
Harmony happens whenever different parts get to form a whole by means of congruity, concord, symetry, consistency, conformity, correspondence, agreement, accord, unity, consonance…….