HI! I'm new to this site,but looking over the contents it seems to be just what I'm looking for to help me with my debt problems.What type of experiences have you had with dealing with credit card companies directly when going through a financially difficult time?Or is it better to use a debt consolidation company? Also, if my income is several hundred dollars less than my monthly bills before any consolidation, how hard will it be to convince the cc companies to work with me,providing if all works out I would be able to meet the monthly payments? Thanks in advance for any input to these questions.