I called a place on a recommendation to ask them a general question about my credit report and of course they gave me their whole spiel and asked if I wanted a free debt analysis. After a long "interview", they said they could have my interest rates lowered on my credit cards and have my debt eliminated in 3 years and my credit would be restablished. Has anyone done anything like this? Please share any advice. It seems too easy. Why wouldn't everyone do this?