Credit & Debt Consolidation : Non-profit Debt Consolidation

How do you know which debt settlement or debt consolidation program to choose, when theirs 1000's out there?
How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.
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Credit & Debt Consolidation : Credit Card Debt & Low Interest

Can I get a debt consolidation loan with bad credit?
I would like to get a debt consolidation loan for my outstanding debt from closed credit cards, old utility bills, etc

I have student loans, but I would like to consolidate them separatley and not through another loan.

Also, I have an auto loan, would the loan be able to cover that as well?

Please, real answers, and no opinions/judgements.

Thank You.
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Bad Credit Debt Consolidation Loan Advise

What are the advantages and disadvantages of having one of those debt consolidation companies help you?
If anyone has any experiences with good or bad in dealing with a debt consolidation company let me know. Would it be a good idea to have one help me if I have about 4,000 dollars in debt?
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Dept Consolidation Help – Bad Credit Dept Consolidation Loan

Credit card debt consolidation companies, Anyone know of a good one?
I've become over whelmed with my credit card debt and I'm getting those phone calls because I'm missing payments and such. Anyway I'm looking for a credit card debt consolidation company that doesn't screw people over, anyone know of any from experience or just know a good one?
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