i got a call from 2 credit card companies today. Does that answer your?. I was on a roll though. paid a 9k civic off. paid my 25k truck off. paid sevarl cards off every month. then i got my hours cut in half. and im trying to catch up. oh and they cut it right after i saved up and spent it all in florida for vacation. wtf. so yeah. im sure mine is goin down hill. anybody know bout consolidation companies>>??