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How to consolidate my credit card balances in to one account without going through debt management services?

Are debt management services safe to use?
me and my partner have got into quite a bit of unsecured debt. i called a debt management service and have the paperwork infront of me. theres something niggling at the back of my head though. are these schemes safe and beneficial? has any one ever used them that could give me a bit of information?also will it stop me going for another mortgage??

Anyone out there using Allegro Law Debt Management Services?
I recently got all my debt together and got a consolidation threw Allegro Law. I have not yet made my first payment, due the 17th, and was wondering if anyone else has used them? Anything good or bad been said about them? Any info would be great.

Has anyone ever used a debt management service? How did it affect your credit rating? Would you reccommend it?
I want to eliminate the rest of my credit card debt. I see the ads for debt management services where they work with your creditors to reduce your interest rates, then combine all of your debt together, where you pay them one payment per month. My husband thinks this will reflect negativly on our credit report. Has anyone ever done this, and were you succesful in eliminating debt? Did it affect your credit rating in a nigative manner? I think that most people in America today, have alot of consumer debt, but I see many poeple who aren't worried about it, and only pay the monthly minimums each month. I have been there before, but I am ready to pay it all off. What do you think? I would love to hear from anyone who has used these services before, or any other great idea to pay it all off, without taking out any more loans. Thanks

Global Credit Card / Debt Management Service - Companies Doing Fraud?
I am constantly being called by two companies, Global Credit Card and Debt Management Service, these two companies constantly ring me and offer me Credit Cards solutions to help me get out of debt. Now when I wish to enquire about the company, such as the name of the person that I am speaking to, where they are based, a website, a contact telephone number I am told that they do not need to give me that information. Now I don t know about you guys if you are getting the same kind of nuisance as me but I really want to get these guys caught. Last time I was sucked in, I was offered a pre approved 4000 credit card, when with my credit history I can t even get a 1000 credit card. So I ask them how can they approve me already, how do they know my details on how they can approve me, I get the response that I am chosen from a selected few to receive this 5 year anniversary offer. Okay so basically I was told that with 2 I can have the pack sent out to me, so I thought why not see what they can offer me, soon as I gave them my details I had 12 taken out of my account. Now the only bit of information that I was given about the company is that they re on Cleveland Road in London I wouldn t take that information 100 % accurate. They also interrogate you to pay a monthly fee to charity where the person will tell you that you don t have to contribute, I didn t want to contribute but this conversation went on for about 20 minutes on the phone as to why I don t want to pay them and all I got was the vibe that I m not going anywhere until you pay us the amount.If you refuse to speak to them once, they will ring you back.If you offered them your details and they took extra money out and you can t do nothing about it well they will ring you back under a different company name.Global Credit Card & Debt Management Services are FRAUD companies. I repeat they are companies who are doing fraud. Do not give them any information, slowly, slowly they will build up the details of your home, email, work history. With this information they can do anything. Immediately if you think you have been effected change your card, call the report it missing or stolen line at the back of the card and check your statements.If anything the name of the company will appear on your statement under this name CALLEMATICS LTD. The address for the company is CALLEMATICS LIMITED, 74 Cleveland Street, LONDON, W1T 6NA. But I fear this will only be the name of the company which provides its call centre informationIf you have any experiences with this company, please state here.

Can you keep your credit card accounts open after using a debt management service?
Just wondering if anyone has used a debt management service and knows if this is possible. I know they set them to automatically close when they are finished, but does anyone know if you can contact the credit card company and ask them to leave it open once it is paid off? The reason I ask is because I know it is better for your credit score to have accounts that are a few years old open, with available credit, rather than closing them when they are paid off.

Have you ever used a credit card counseling service/debt management service and what was your experience?

Does debt management service hurt credit score?