Hello all - I was around years ago, things were pretty good for quite a while, and somehow, someway, I've found myself getting buried under credit card payments AGAIN (long story for another time).  My quick question is this:  Do any of you lovely people have experience with debt management programs?  I contacted one, Care One Credit, and it seems like they can help.  I'm afraid of being taken for a scam.  I've done some reasearch online and they seem reputable, but I have a hard time trusting everything I see online LOL.  Any thoughts, recommendations or advice?