"I just want some money to pay for my debts and get rid of the harassing phone calls from my creditors". You have frighteningly high balances in your credit cards, you owe money to a few finance companies, and the monthly payment of these debts has exceeded your financial capability – You have unbearable debts and you are in highly pressure looking for a solution to resolve your debt problems.
There are many debt consolidation companies which can provide you help to consolidate your debt with their proposed solution. But unfortunately, not all debt consolidation companies are legitimate. There are many scams that are waiting to catch an unwary customer and make their. People with high pressure and anxiousness in looking for a debt solution normally may overlook the terms and conditions of the service from these scams and as the result, you may trap into bigger debts because the service from scams normally incur highly upfront fees with many other hidden cost (of course they will promise you their 110% guaranteed that your debt problem will be solved)
Beware of them. Calm yourself down and take your time to think carefully and don't sign till...