If you have consumer debt, you're probably looking for a strategy to pay it off. Some people use a home equity loan as a way to get a lower rate, others use 0% balance transfers, still others just call their credit card company and ask them to lower their rates.

What should you do? Here are few differing view points and strategies from personal finance bloggers who've been there.

Verizon is finally installing FiOS in my area. But I'll never use it. I'll never sign up for another Verizon account in my life, and I'm encouraging my parents to change to a different service when their Verizon cell contracts end soon. Over the course of eight months, I've become completely appalled at the horrible customer service I've gotten from that company.

This all started in March of this year, St. Patrick's Day, to be precise. While out with friends, my phone slipped out of my pocket without me noticing. It wasn't until the next morning (Sunday) that I realized I didn't have my LG Chocolate phone. I traced my footsteps back, hoping I'd be able to find it, with no luck. A couple of hours later, when my roommate woke up, he realized he had a missed call. Hours after I lost the phone, someone had called his number from it. They left no message, and when we tried calling the phone back, it would go straight to voicemail. Hoping that whoever had the phone would call back again, I held off on contacting Verizon to report the phone stolen. By Monday morning, having still not been able to contact the person who had my phone, I called Verizon and reported all the details I've relayed so far - not only that my phone was lost, but that someone apparently had the phone. I was told that the phone would be placed on Verizon's lost/stolen list so that if someone else attempted to register the phone on a Verizon Wireless account, they would be able to do so (although I would not be given this information to help me find the phone). The phone would also be deactivated for a month and would be removed from my account.

Writing the phone off as gone, I bought a used Verizon Razr off eBay, which I received within a few days. I once again called up Verizon Customer Service. In that call, I registered the Razr with my account, and also checked again that my old phone was off my account. I was told that because my account was a single-phone plan, there was no way for both the Chocolate and the Razr to be registered simultaneously. The Razr was associated with my account, and therefor the Chocolate could no longer be used with my account.

Fast forward one month, towards the end of April. I logged into my bank's online access, and realized I had a negative amount of money, when I should have had a few hundred dollars. Looking at the pending transactions, a charge of $435.03 had been debited from my account the day before. I was stunned. The only bill I pay that's over $150 is my rent - there was no reason I should have such a large debit on my account. I hadn't lost my debit card, so I first checked those accounts which are automatically debited from my checking account. It didn't take long to find the culprit. Verizon showed a just-paid bill - sum $435.03. I opened the bill online and quickly scanned it - I had a couple of new media services that had been added to my bill (which then charged me for the prorated current month, plus next month for each of the services). But the kicker was the hundreds of dollars of data downloads. Music, games, ringtones - if you could get it from VZServe, it was charged to my account.

Remember also that this is the end of April - the 20th, in fact. I have to send my rent check out, but I have negative money. I call Verizon, and explain the situation. I'm already pretty sure of what's happened - the month that the Chocolate was deactivated for is over, and whoever has it is using it to make charges to my account. To make a long story short, I talk to numerous customer service reps over the next few days, explaining and reexplaining the situation. I am told that it is impossible for the Chocolate to still be able to charge downloads to account. I am told numerous times by supervisors and regular reps that they're looking into the issue and will call me back in an hour/this evening/tomorrow morning. I am told that I am lying, and that I must go to my local Verizon store and show them my Razr to prove that the data downloaded is not on that phone. I spend two hours sitting in that store, waiting as the store rep talks to the customer service rep, on my phone. It is determined that the data is not on the Razr.
Finally, on the 26th, I get somewhere. A database tech hears about my problem and looks into it. Apparently, when the Chocolate was deactivated and taken off my account, there was a problem. The Chocolate was removed from my account for the most part, but in some database, it was still connected to my account. This might, incidentally, explain why there were times when friends would call me and the line would ring and ring, without going to voicemail, and without my Razr ever actually ringing. Troy Brice, the supervisor I've been talking with for the past day or so, apologizes again and again. Yes, they can cancel my service. No, they won't charge me an early termination fee. They'll refund my entire bill (even the part that was actually my bill), and they'll even pay me back the horrible $100 overdraft fee that my checking account incurred for being so overdrawn (though I was required to send them a screenshot of my online checking account to prove that I was charged an overdraft fee). I get only apologies for the fact that I haven't had any money for the past week, as this fell between my biweekly paychecks. I should get my money in 4-6 weeks. Yeah, 4-6 weeks. This is, obviously, not acceptable. Troy and I chat for a little while, and he discovers that he can expedite the transaction. I'll have my money in 2-3 days - the amount is just under $600.

Late the next week, I do get my money deposited into my checking account - about $300. This pissed me off. I had no problem paying my actual bill, but my actual bill was only about $55, not $300. I go to their website and attempt to log into my account, but I can't. That was shut down when I closed the account. So I call customer service again and explain the situation. Again. They grant me limited access to my online account so that I'm able to see my last couple of bills. I quickly spot the problem - they're still charging me for the extra services and the data downloaded through them. I call Troy's line and leave a message. No reply back. Ever. So I go back to the regular reps. Again and again, they can't help me. My calls are dropped. They can't request refunds. When they can and take my bank information, the refund request is gone when I call back later to see how it's going. There are no supervisors available.

Finally, after dealing with this for over a month, I give up. I got some of my money back and I'll never have to deal with them again - I've got a new Cingular phone. Not a perfect solution, but better than nothing.