While some are satisfied, there have been complaints about debt consolidation companies.

1. Checking Benefit   

Consumers need to regularly check what benefits the programs is providing in relation to its cost.  

2. Verification 

While many programs are good, others are not and some develop programs.  Unfortunately you cannot always rely upon your company and need to verify.  What is the status of the loan, can you confirm the balance, how was my payment allocated please provide verification.  

I thought this loan had already been resolved

3. Not always magic  

Many collection lawyers are skilled and the number of tactics to dramatically reduce debts can be exaggerated. 

4. Compare self-representation or separate counsel 

Sometimes it can be more productive to hire a lawyer directly to negotiate a claim or even represent yourself. 

5. Some Basics about Representing Yourself 

Some basics, if you get sued, make sure to file a response in court.  Recognize the creditor lawyer represents the company not you.  Do present evidence of hardship, medical bills, job loss, but be careful about providing account information.  

6. Debt Buyer and Arbitration 
  
Arbitration is a more flexible process than court and frequently is a better place for the consumer.  Most cardholder agreements provide for arbitration, typically through the American Arbitration Association.  If you show you are a knowledgeable consumer willing to have the claim done in arbitration rather than court, the creditor will sometimes make a reasonable settlement with you.