I consolidated about 5 years ago and thankfully about 2 we paid the remaining credit card debts off that were int he program, what a relief! bad news is that i had a Sears credit card, no make that i still have the darn card, and have been paying off more than the minimum each month and am going no where. are others who have Sears (are there any of you out there?) find that they are VERY difficult to work with. i was late and not only did htey double my minimum they tacked on a $25 fee and they are ALWAYS switching my darn due dates. what the hey???!! never had a more unpredictable card. I need to call them and ask them if they'll move my due date some because i don't get paid til next friday and i sure don't want another issue with them like i had last month.