We can only give you a piece of advice. First of all you should try to find any proofs of you having paid off your debt - payment peceipts, statements - everything. Another step of yours can be contacting credit bureaus and asking them if the fact of paying off that balance is reflected in your credit reports. If no, you will have a trouble. BUt if you really paid off everything, this should be stated in your credit records. After you will be able to prove you are clear of any debt, you can be sure to get rid of the company's claims. Show them your credit reports and other evidences of your being 'unguilty'. In some more complicated cases, you will have to turn to the court to prove inconsistence of the company's claims. Best, Manager of Immediate Credit Card Care Service

It's hard to say for sure whether the company is legitimate or not. There are loads of debt consolidation companies and it's very essential to choose the reputable one. When it comes to debt consolidation, experts share the opinion that self-help is the best option. To be more exact, it's within your grasp to obtain a financial tool with which you can work out your current debt problems. Balance transfer deals come as a good solution for those holders who want to get rid of debts.

Discover More Card and More Card - American Flag provide a 0% APR for up to 12 months, so that a holder can easily pay off the old balance faster and easier. These are fee-free deals, but they require excellent or good credit history.

In case your boyfriend's credit history is average, Platinum Prestige - Visa from Capital One will be a good choice. The key is to find the card with lower interest rates on balance transfers and pay down your balances on much more favorable terms.

Balance transfer deals can be really effective if you have good or excellent credit history and your balances are not too massive. When applying for a balance transfer card, you can transfer the balances from your other plastics to a new card. The best thing about balance transfers is that you can save much money when paying down your balance on a low-rate card. 0% APR balance transfers is the best option, as they allow paying no interest at least for a set period of time.

These days, almost all balance transfer cards will charge a balance transfer fee of 3%. If you want to transfer the balances from all your plastics, you will have to pay this fee three times. You can easily calculate how much you will pay by multiplying each balance by 0.03. This way, you can estimate the amount you will pay in balance transfer fees.

If your credit history is good or excellent, you may consider the following balance transfer deals:

Discover® More® Card is a really good choice when it comes to balance transfers. This card gives 0% Intro APR on balance transfers for 12 months. It has no annual fee, so you won't pay extra for the maintenance of the card. Plus, this card offers a good rewards program. You can benefit from this program after you have paid off the balance in full. You can also choose Discover® More® Card - American Flag. It has the same features, the only difference is the card design.

Capital One® Platinum is also a good choice. It gives 0% Intro APR on purchases and balance transfers for 11 months. It has no annual fee and low ongoing interest rates. Check through these balance transfer offers and choose the one that meets your requirements.