Freedom Debt actually did what they say they do. I was getting charged like 27% interest on almost every card along with late fees, over the limit fees. When the salesman was trying to sell me into signing up. He told me my interest would go down to an avg of 6-10% and then he said some would go to zero. He also said that the late fees & over the limit fees would be waived. I really didn't believe him. He gave me phone numbers to the credit cards that I have so I called. I've been on it for almost a year & it's cool to watch your balance go down instead of up every month. Every month.. it was higher than the last. But thank God, not anymore. And BTW.. I did a lot of research. Every Debt Consolidation company out there can do for you the same as another. It really depends on customer service & they seem to really know what they're doing.Thank you!!!