ACCC consolidation. (American Credit Counseling something something?) I don't know. Do a search and you should be able to find it. They'll try to sell you a package for $100, just keep saying 'no, no, n-yet, and no'. They set it up to automatically deduct from your checking/savings and they have a nifty site that you can use to track your payments. (I've actually sorta forgotten they steal my money every month, I don't even miss it anymore).