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 If you don't feel comfortable negotiating with a company directly or simply do not get a favorable response from your credit card company, you have the option of working with a credit card debt consolidation company that can help you to lower your monthly payments to the companies and eliminate your debt in a much more timely fashion. These companies will also do all the negotiating for you and will work with your credit card company to eliminate unnecessarily high interest rates and monthly payments and will help you to see immediate results. Chances are, if you're struggling with high levels of debt, you're feeling powerless to the companies collecting from you every month. If this is the case, a debt consolidation firm (always be sure to pick one with a good track record and solid foundation!) can do wonders for your financial freedom.